San Diego Humane Society and S.P.C.A.
Updated Filing received by DOL
San Diego Humane Society and S.P.C.A., an other services employer in San Diego, California, reported 570 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows 13 insurance contracts with no premium reported and $200,697 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on July 31, 2026, before the deadline.
Who was paid on San Diego Humane Society and S.P.C.A.'s plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract San Diego Humane Society and S.P.C.A. filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| HUB International · San Diego, CA | $195,504 | $5,176 | $200,680 | 21 |
| Willis Towers Watson · La Jolla, CA | $17 | $0 | $17 | 1 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2025, as published in EBSA's 2025 "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 |
|---|---|---|---|---|
| Unum Insurance Companycoverage not coded | 119 | — | $3,924 | — |
| Life Insurance Company of North Americalong-term disability | 570 | — | $7,062 | — |
| Kaiser Foundation Health Plan Inchealth, prescription drug, HMO | 247 | — | $65,332 | — |
| Life Insurance Company of North Americalife | 257 | — | $4,664 | — |
| United Healthcare Insurance Companyhealth, dental, vision, prescription drug, HMO, PPO | 1,054 | — | $101,012 | — |
| Cigna Health and Life Insurance Company and Affiliatescoverage not coded | 1,600 | — | — | — |
| Unum Insurance Companycoverage not coded | 80 | — | $5,127 | — |
| Life Insurance Company of North Americacoverage not coded | 219 | — | $564 | — |
| Life Insurance Company of North Americalife | 570 | — | $3,424 | — |
| Unum Life Insurance Company of Americacoverage not coded | 4 | — | $17 | — |
| Unum Insurance Companycoverage not coded | 183 | — | $3,872 | — |
| Life Insurance Company of North Americacoverage not coded | 570 | — | $763 | — |
| Unum Life Insurance Company of Americashort-term disability | 35 | — | $4,936 | — |
Source: DOL Form 5500 Schedule A, plan year 2025. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How San Diego Humane Society and S.P.C.A. 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
| 2024 | 2025 | Change | |
|---|---|---|---|
| Participants | 527 | 570 | +8.2% |
| Premiums filed | $0 | $0 | not comparable |
| Broker commissions + fees | $188,038 | $200,697 | +6.7% |
| Commission rate | — | — | — |
Source: DOL Form 5500 filings for plan years 2024 and 2025.
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 |
|---|---|---|---|---|
| San Diego Humane Society and S.P.C.A. Health & Welfare Benefit Plan#501 · insurance, general assets | December 31, 2025 | July 31, 2026 | before deadline | 570 |
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 San Diego Humane Society and S.P.C.A. pay in health insurance broker commissions in 2025?
San Diego Humane Society and S.P.C.A.'s 2025 Form 5500 reports $200,697 in broker commissions and fees across 13 insurance contracts ($195,521 in commissions, $5,176 in fees), with HUB International receiving the largest share.
Is San Diego Humane Society and S.P.C.A.'s health plan self-funded or fully insured?
The 2025 filing indicates the plan is a mix of insured and self-funded coverage. Medical coverage is written by Kaiser Foundation Health Plan Inc, United Healthcare Insurance Company.
How does San Diego Humane Society and S.P.C.A.'s broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for San Diego Humane Society and S.P.C.A. 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.
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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.