Salt River Valley Water Users Association
Updated Filing received by DOL
Salt River Valley Water Users Association, an utilities employer in Phoenix, Arizona, reported 919 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows $1.1M in insurance premiums across 7 contracts and $66,615 in broker commissions and fees. The plan is fully insured (an insurance carrier pays claims). The Department of Labor received the filing on October 13, 2025, within the extension window.
Who was paid on Salt River Valley Water Users Association's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Salt River Valley Water Users Association filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Mercer · Chicago, IL | $37,210 | $18,033 | $55,243 | 9 |
| Acrisure · Double Oak, TX | $0 | $11,372 | $11,372 | 5 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2024, as published in EBSA's 2024 "Latest" dataset. Part I names whoever the carrier paid, which can be a firm or an individual agent; both are public record. Amounts exclude pay from carriers not tied to a listed contract.
Insurance contracts and carriers
Every insurance contract reported on Schedule A: carrier, what it covers, people covered at year end, earned premium, and broker compensation.
| Carrier · coverage | Covered | Premium | Broker pay | Rate |
|---|---|---|---|---|
| Hartford Life and Accidentlife, short-term disability, long-term disability | 394 | $569,814 | $37,171 | 6.5% |
| Hartford Life and Accidentlife | 394 | $414,050 | $8,954 | 2.2% |
| Hartford Life and Accidentlife | 262 | $154,020 | $16,099 | 10.5% |
| Cigna Healthcare of Arizonahealth, HMO | 6 | — | — | — |
| Metropolitan General Insurance Companycoverage not coded | 173 | — | $4,391 | — |
| Unum Life Insurance Company of Americacoverage not coded | 38 | — | — | — |
| Sierra Health and Life Insurance Company, Inc.health | 117 | — | — | — |
Source: DOL Form 5500 Schedule A, plan year 2024. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How Salt River Valley Water Users Association compares
Medians across employers for plan year 2024, the most recent complete year. Commission rates use fully insured medical contracts only; dollar medians use every employer that disclosed broker pay.
Not computable: no insured medical premium on the filing.
Source: BenefitsLedger benchmarks from 58,547 employer health plans with 100 or more participants, plan year 2024. Methodology.
Year over year
| 2023 | 2024 | Change | |
|---|---|---|---|
| Participants | 884 | 919 | +4.0% |
| Premiums filed | $1,256,568 | $1,137,884 | −9.4% |
| Broker commissions + fees | $64,018 | $66,615 | +4.1% |
| Commission rate | — | — | — |
Source: DOL Form 5500 filings for plan years 2023 and 2024.
Filings and timeliness
Plans this employer filed under its EIN with a health benefit code. Large plans are due seven months after the plan year ends, or two and a half months later with an extension; amended filings carry the amendment date, so no timing is asserted for them.
| Plan | Plan year end | Received by DOL | Timing | Participants |
|---|---|---|---|---|
| Salt River Valley Water Users' Assoc Ins HLTH & Life Wrap Plan F.K.A SRP Agr Improv/Pwr Dist & SLT RVR VLY WTR Users' Assoc Ins Hlth&Life PL#507 · insurance | December 31, 2024 | October 13, 2025 | within extension | 919 |
Source: DOL Form 5500 Part I and signature dates; "late" means received after the extended deadline (the 15th day of the tenth month after plan year end). What a late Form 5500 costs.
How much did Salt River Valley Water Users Association pay in health insurance broker commissions in 2024?
Salt River Valley Water Users Association's 2024 Form 5500 reports $66,615 in broker commissions and fees across 7 insurance contracts ($37,210 in commissions, $29,405 in fees), with Mercer receiving the largest share.
Is Salt River Valley Water Users Association's health plan self-funded or fully insured?
The 2024 filing indicates the plan is fully insured (an insurance carrier pays claims). Medical coverage is written by Cigna Healthcare of Arizona, Sierra Health and Life Insurance Company, Inc..
How does Salt River Valley Water Users Association's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Salt River Valley Water Users Association because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 500-999 participants that disclosed broker pay reported a median of $104,902.
Send the full findings to your inbox.
A specialist writes up every finding for Salt River Valley Water Users Association with the methodology and public-source citations, in a form you can forward to your CFO or counsel. Tick the box if you also want a 15-minute walkthrough call.
We don't sell your email. By submitting, you agree that BenefitsLedger and its benefits advisory partner, WellthCare, may email or call you about these findings. Opt out anytime by replying. See our privacy policy.
Record built October 24, 2026 from U.S. Department of Labor, EBSA Form 5500 datasets (2025, 2024, 2023 plan years, 'Latest' files). Filings can run 7 to 10 months behind the plan year; always confirm against current plan documents. BenefitsLedger is not affiliated with the U.S. Department of Labor. Open the DOL filing search.