SMB Team Legal, LLC
Updated Filing received by DOL
SMB Team Legal, LLC, a professional & technical services employer in Bala Cynwyd, Pennsylvania, reported 126 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $1.3M in insurance premiums across 3 contracts and $67,651 in broker commissions and fees, 3.9% 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 August 11, 2026, within the extension window.
Who was paid on SMB Team Legal, LLC's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract SMB Team Legal, LLC filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Flexible Benefits Plans, LLC · Melville, NY | $50,127 | $0 | $50,127 | 1 |
| Ingroup Associates, Inc. · Lancaster, PA | $5,193 | $2,830 | $8,023 | 2 |
| Alera General Agency Ins Services · Mechanicsburg, PA | $0 | $5,094 | $5,094 | 2 |
| Aia American Insurance Admin, Inc. · Mechanicsburg, PA | $2,637 | $0 | $2,637 | 2 |
| Alera Group, Inc. · Pittsburgh, PA | $0 | $1,770 | $1,770 | 2 |
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 |
|---|---|---|---|---|
| Independence Blue Crosshealth, PPO | 195 | $1.3M | $50,127 | 3.9% |
| Principal Life Insurance Companydental, vision | 197 | — | $11,199 | — |
| United of Omaha Life Insurance Companylife, short-term disability | 136 | — | $6,325 | — |
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 SMB Team Legal, LLC 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: $6,545 a year (national median $7,274).
Source: BenefitsLedger benchmarks from 58,547 employer health plans with 100 or more participants, plan year 2024. Methodology.
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 |
|---|---|---|---|---|
| SMB Teal Legal, LLC Health & Welfare Benefit Plan#501 · insurance, general assets | December 31, 2025 | August 11, 2026 | within extension | 126 |
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 SMB Team Legal, LLC pay in health insurance broker commissions in 2025?
SMB Team Legal, LLC's 2025 Form 5500 reports $67,651 in broker commissions and fees across 3 insurance contracts ($57,957 in commissions, $9,694 in fees), with Flexible Benefits Plans, LLC receiving the largest share.
Is SMB Team Legal, LLC'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 Independence Blue Cross.
How does SMB Team Legal, LLC's broker compensation compare with similar employers?
SMB Team Legal, LLC paid 3.9% of medical premium in commissions and fees. The median for employers with 100-199 participants is 4.2%, and the median in Pennsylvania is 4.4%. 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.