Spectraforce Technologies, Inc.
Updated Filing received by DOL a plan year 2025 filing was received September 15, 2026 for 1 of this employer's 2 plans; this record moves to 2025 when all have arrived
Spectraforce Technologies, Inc., an administrative & support services employer in Raleigh, North Carolina, reported 445 participants in its health and welfare plans for plan year 2024. Its Form 5500 shows 11 insurance contracts with no premium reported and $240,102 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on October 10, 2025, within the extension window.
Who was paid on Spectraforce Technologies, 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 Spectraforce Technologies, Inc. filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Marsh McLennan Agency · Roanoke, VA | $108,442 | $32,783 | $141,225 | 26 |
| Boon Chapman Benefit · Austin, TX | $21,285 | $24,798 | $46,083 | 8 |
| Gis Benefit Inc · Morris, IL | $19,175 | $7,312 | $26,487 | 15 |
| Meredith W Jacobson · Raleigh, NC | $26,305 | $0 | $26,305 | 1 |
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. Where Part I rows added up to more than the contract's Schedule A total, they were scaled down to that total. 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 and Blue Shield of North Carolinahealth, prescription drug, PPO | 132 | — | $26,305 | — |
| Breckpointhealth | 180 | — | $51,697 | — |
| Metropolitan Life Insurance Companyhealth | 247 | — | $10,362 | — |
| Metropolitan Life Insurance Companyhealth | 138 | — | $9,346 | — |
| Metropolitan Life Insurance Companyhealth | 103 | — | $7,190 | — |
| Metropolitan Life Insurance Companydental, vision, life | 455 | — | $74,968 | — |
| Cigna Health and Life Insurance Companyhealth | 131 | — | $26,942 | — |
| Metropolitan Life Insurance Companydental, vision, life, long-term disability | 176 | — | $29,565 | — |
| Metropolitan Life Insurance Companyhealth | 19 | — | $1,013 | — |
| Metropolitan Life Insurance Companyhealth | 31 | — | $1,730 | — |
| Metropolitan Life Insurance Companyhealth | 23 | — | $984 | — |
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 Spectraforce Technologies, 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.
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 | 245 | 445 | +81.6% |
| Premiums filed | $0 | $0 | not comparable |
| Broker commissions + fees | $236,992 | $240,102 | +1.3% |
| 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 |
|---|---|---|---|---|
| Spectraforce Technologies, Inc. & Affiliates Contingent Staff Health & Welfare Plan#505 · insurance, general assets | December 31, 2024 | October 10, 2025 | within extension | 445 |
| Spectraforce Technologies, Inc. & Affiliates Corporate Health & Welfare Plan#504 · insurance, general assets | April 30, 2025 | December 3, 2025 | within extension | 153 |
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 Spectraforce Technologies, Inc. pay in health insurance broker commissions in 2024?
Spectraforce Technologies, Inc.'s 2024 Form 5500 reports $240,102 in broker commissions and fees across 11 insurance contracts ($173,958 in commissions, $66,144 in fees), with Marsh McLennan Agency receiving the largest share.
Is Spectraforce Technologies, 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 Blue Cross and Blue Shield of North Carolina, Breckpoint, Metropolitan Life Insurance Company.
How does Spectraforce Technologies, Inc.'s broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Spectraforce Technologies, Inc. because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 200-499 participants that disclosed broker pay reported a median of $77,013.
Send the full findings to your inbox.
A specialist writes up every finding for Spectraforce Technologies, Inc. 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.