Somerville-Cambridge Elder Services
Updated Filing received by DOL
Somerville-Cambridge Elder Services, a healthcare & social assistance employer in Somerville, Massachusetts, reported 129 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows 3 insurance contracts with no premium reported and $44,124 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on January 26, 2026, before the deadline.
Who was paid on Somerville-Cambridge Elder Services's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Somerville-Cambridge Elder Services filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Gallagher · Rolling Meadows, IL | $24,241 | $10,044 | $34,285 | 3 |
| Jennifer A. Borislow Ins Agency Inc · Methuen, MA | $9,839 | $0 | $9,839 | 3 |
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 |
|---|---|---|---|---|
| Blue Cross Blue Shield of Massachusetts, Inc.dental | 131 | — | $4,460 | — |
| Sun Life Assurance Company of Canadalife, short-term disability, long-term disability | 129 | — | $6,674 | — |
| Harvard Pilgrim Health Carehealth, prescription drug, HMO | 130 | — | $32,990 | — |
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 Somerville-Cambridge Elder Services 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 | 130 | 129 | −0.8% |
| Premiums filed | $0 | $0 | not comparable |
| Broker commissions + fees | $45,131 | $44,124 | −2.2% |
| 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 |
|---|---|---|---|---|
| Somerville-Cambridge Elder Services Employee Benefits Plan#501 · insurance, general assets | June 30, 2025 | January 26, 2026 | before deadline | 129 |
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 Somerville-Cambridge Elder Services pay in health insurance broker commissions in 2024?
Somerville-Cambridge Elder Services's 2024 Form 5500 reports $44,124 in broker commissions and fees across 3 insurance contracts ($34,080 in commissions, $10,044 in fees), with Gallagher receiving the largest share.
Is Somerville-Cambridge Elder Services'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 Harvard Pilgrim Health Care.
How does Somerville-Cambridge Elder Services's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Somerville-Cambridge Elder Services because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 100-199 participants that disclosed broker pay reported a median of $53,852.
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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.