SSP America, Inc.
Updated Filing received by DOL
SSP America, Inc., an accommodation & food services employer in Ashburn, Virginia, reported 2,431 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows $9.6M in insurance premiums across 11 contracts and $414,664 in broker commissions and fees, 3.6% 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 April 29, 2026, before the deadline.
Who was paid on SSP America, 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 SSP America, Inc. filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Marsh McLennan Agency | $405,217 | $9,368 | $414,585 | 13 |
| MC & H Life Agency Inc | $79 | $0 | $79 | 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. 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 and Life Insurance Company and Affiliateshealth, dental, prescription drug, HMO, indemnity | 1,365 | $9.6M | $341,563 | 3.6% |
| Vision Service Planvision | 645 | — | $3,141 | — |
| Symetra Life Insurance Companylife, short-term disability, long-term disability | 2,430 | — | — | — |
| Reliance Standard Life Insurance Companyshort-term disability | 447 | — | $32,248 | — |
| Reliance Standard Life Insurance Companylife | 3,148 | — | $27,746 | — |
| Reliance Standard Life Insurance Companylong-term disability | 442 | — | $5,710 | — |
| Reliance Standard Life Insurance Companycoverage not coded | 36 | — | $91 | — |
| Reliance Standard Life Insurance Companylife | 62 | — | $2,437 | — |
| Metropolitan Life Insurance Companycoverage not coded | 40 | — | $460 | — |
| Metropolitan Life Insurance Companycoverage not coded | 60 | — | $660 | — |
| Metropolitan Life Insurance Companycoverage not coded | 68 | — | $608 | — |
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 SSP America, 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: $7,017 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 | 1,822 | 2,431 | +33.4% |
| Premiums filed | $7,771,908 | $9,577,952 | +23.2% |
| Broker commissions + fees | $404,146 | $414,664 | +2.6% |
| Commission rate | 3.9% | 3.6% | −0.3 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 |
|---|---|---|---|---|
| SSP America Inc. Employee Benefits Plan#501 · insurance, general assets | September 30, 2025 | April 29, 2026 | before deadline | 2,431 |
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 SSP America, Inc. pay in health insurance broker commissions in 2024?
SSP America, Inc.'s 2024 Form 5500 reports $414,664 in broker commissions and fees across 11 insurance contracts ($405,296 in commissions, $9,368 in fees), with Marsh McLennan Agency receiving the largest share.
Is SSP America, 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 and Life Insurance Company and Affiliates.
How does SSP America, Inc.'s broker compensation compare with similar employers?
SSP America, Inc. paid 3.6% of medical premium in commissions and fees. The median for employers with 1,000-4,999 participants is 2.0%, and the median in Virginia is 4.6%. 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.