Seniorlink, Inc.
Updated Filing received by DOL
Seniorlink, Inc., a healthcare & social assistance employer in Auburn, Massachusetts, reported 751 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows $5.6M in insurance premiums across 3 contracts and $245,036 in broker commissions and fees, 3.4% of medical premium against a national median of 3.8% among plans that paid commissions in plan year 2024. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on November 16, 2025, before the deadline.
Who was paid on Seniorlink, Inc.'s plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Seniorlink, Inc. filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Ebs Insurance Brokers · Newton, MA | $188,864 | $0 | $188,864 | 1 |
| IMA Financial · Newton, MA | $56,172 | $0 | $56,172 | 2 |
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 |
|---|---|---|---|---|
| Cigna Health & Life Insurance Companyhealth, vision, prescription drug, indemnity | 904 | $5.6M | $188,864 | 3.4% |
| Cigna Health and Life Insurance Companyindemnity | 416 | — | $4,729 | — |
| The Guardian Life Insurance Company of Americavision, life, short-term disability, long-term disability | 761 | — | $51,443 | — |
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 Seniorlink, Inc. 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.
Premium per covered person on medical contracts: $6,210 a year (national median $7,274).
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 | 678 | 751 | +10.8% |
| Premiums filed | $5,079,045 | $5,613,698 | +10.5% |
| Broker commissions + fees | $253,333 | $245,036 | −3.3% |
| Commission rate | 3.3% | 3.4% | +0.0 pts |
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 |
|---|---|---|---|---|
| Seniorlink, Inc. Employee Benefits Plan#501 · insurance, general assets | April 30, 2025 | November 16, 2025 | before deadline | 751 |
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 Seniorlink, Inc. pay in health insurance broker commissions in 2024?
Seniorlink, Inc.'s 2024 Form 5500 reports $245,036 in broker commissions and fees across 3 insurance contracts ($245,036 in commissions, $0 in fees), with Ebs Insurance Brokers receiving the largest share.
Is Seniorlink, Inc.'s health plan self-funded or fully insured?
The 2024 filing indicates the plan is a mix of insured and self-funded coverage. Medical coverage is written by Cigna Health & Life Insurance Company.
How does Seniorlink, Inc.'s broker compensation compare with similar employers?
Seniorlink, Inc. paid 3.4% of medical premium in commissions and fees. The median for employers with 500-999 participants is 2.7%, and the median in Massachusetts is 2.5%. Percentages are computed only on fully insured medical contracts with filed premiums.
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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.