ST. Croix Regional Medical Center
Updated Filing received by DOL
ST. Croix Regional Medical Center, a healthcare & social assistance employer in ST Croix Falls, Wisconsin, reported 422 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows 12 insurance contracts with no premium reported and $176,308 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on July 29, 2026, before the deadline.
Who was paid on ST. Croix Regional Medical Center's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract ST. Croix Regional Medical Center filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Lockton · Kansas City, MO | $107,579 | $67,887 | $175,466 | 18 |
| RSC Insurance Brokerage, Inc. · Mount Pleasant, WI | $0 | $842 | $842 | 1 |
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 |
|---|---|---|---|---|
| Unum Insurance Companycoverage not coded | 101 | — | $7,673 | — |
| Eyemed Vision Carevision | 531 | — | — | — |
| Unum Life Insurance Company of Americalife | 588 | — | $14,633 | — |
| Lincoln National Life Insurance Companylong-term disability | 575 | — | $21,282 | — |
| Lincoln National Life Insurance Companyshort-term disability | 575 | — | $32,944 | — |
| The Lincoln National Life Insurance Companycoverage not coded | 140 | — | $3,269 | — |
| Healthpartners Insurance Companyhealth, dental | 1,232 | — | — | — |
| Lincoln National Life Insurance Companylife | 575 | — | $9,095 | — |
| Lincoln National Life Insurance Companycoverage not coded | 692 | — | — | — |
| Unum Insurance Companycoverage not coded | 160 | — | $5,032 | — |
| Unum Life Insurance Company of Americashort-term disability, long-term disability | 588 | — | $77,204 | — |
| Lincoln National Life Insurance Companycoverage not coded | 81 | — | $5,176 | — |
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 ST. Croix Regional Medical Center 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
| 2024 | 2025 | Change | |
|---|---|---|---|
| Participants | 436 | 422 | −3.2% |
| Premiums filed | $0 | $0 | — |
| Broker commissions + fees | $127,855 | $176,308 | +37.9% |
| Commission rate | — | — | — |
Source: DOL Form 5500 filings for plan years 2024 and 2025.
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 |
|---|---|---|---|---|
| ST. Croix Regional Medical Center Wrap Plan#506 · insurance, general assets | December 31, 2025 | July 29, 2026 | before deadline | 422 |
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 ST. Croix Regional Medical Center pay in health insurance broker commissions in 2025?
ST. Croix Regional Medical Center's 2025 Form 5500 reports $176,308 in broker commissions and fees across 12 insurance contracts ($107,579 in commissions, $68,729 in fees), with Lockton receiving the largest share.
Is ST. Croix Regional Medical Center'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 Healthpartners Insurance Company.
How does ST. Croix Regional Medical Center's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for ST. Croix Regional Medical Center 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.
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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.