ST. James Hospital
Updated Filing received by DOL
ST. James Hospital, a healthcare & social assistance employer in Hornell, New York, reported 350 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows $2.3M in insurance premiums across 4 contracts and $119,915 in broker commissions and fees, 3.3% 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 July 30, 2025, before the deadline.
Who was paid on ST. James Hospital'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. James Hospital filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Gallagher · Rochester, NY | $96,547 | $1,198 | $97,745 | 4 |
| USI Insurance Services · Rochester, NY | $22,087 | $83 | $22,170 | 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 |
|---|---|---|---|---|
| Excellus Blue Cross Blue Shieldhealth, prescription drug | 151 | $2.3M | $77,313 | 3.3% |
| Metropolitan Life Insurance Companydental, vision | 363 | — | $6,727 | — |
| Empathia, Inc.coverage not coded | 387 | — | — | — |
| Lincoln Life & Annuity Company of New Yorklife, short-term disability, long-term disability, indemnity | 241 | — | $35,875 | — |
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 ST. James Hospital 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: $15,353 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 | 350 | 350 | +0.0% |
| Premiums filed | $2,057,326 | $2,318,333 | +12.7% |
| Broker commissions + fees | $103,952 | $119,915 | +15.4% |
| Commission rate | 3.6% | 3.3% | −0.2 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 |
|---|---|---|---|---|
| ST. James Hospital Health and Welfare Plan#501 · insurance, general assets | December 31, 2024 | July 30, 2025 | before deadline | 350 |
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. James Hospital pay in health insurance broker commissions in 2024?
ST. James Hospital's 2024 Form 5500 reports $119,915 in broker commissions and fees across 4 insurance contracts ($118,634 in commissions, $1,281 in fees), with Gallagher receiving the largest share.
Is ST. James Hospital'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 Excellus Blue Cross Blue Shield.
How does ST. James Hospital's broker compensation compare with similar employers?
ST. James Hospital paid 3.3% of medical premium in commissions and fees. The median for employers with 200-499 participants is 3.6%, and the median in New York is 3.7%. 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.