ST. John's Healthcare Corporation
Updated Filing received by DOL
ST. John's Healthcare Corporation, a healthcare & social assistance employer in Rochester, New York, reported 423 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows $2.3M in insurance premiums across 7 contracts and $109,929 in broker commissions and fees, 3.2% 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 June 3, 2025, before the deadline.
Who was paid on ST. John's Healthcare Corporation'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. John's Healthcare Corporation filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Gallagher · Chicago, IL | $104,966 | $1,618 | $106,584 | 10 |
| Aon · Farmington, CT | $3,175 | $170 | $3,345 | 2 |
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 | 212 | $2.3M | $74,167 | 3.2% |
| Hartford Life and Accidentlife | 450 | — | $5,546 | — |
| Provident Life and Casualty Insurance Companylong-term disability | 14 | — | $3,081 | — |
| Sun Life and Health Insurance Company (u.S.)long-term disability | 23 | — | $2,694 | — |
| First Unum Life Insurance Companylife | 120 | — | $3,345 | — |
| Aetna Life Insurance Co.indemnity | 153 | — | $7,095 | — |
| Aetna Life Insurance Co.dental, vision | 403 | — | $14,001 | — |
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. John's Healthcare Corporation 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: $10,915 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 | 433 | 423 | −2.3% |
| Premiums filed | $0 | $2,314,028 | — |
| Broker commissions + fees | $98,143 | $109,929 | +12.0% |
| Commission rate | — | 3.2% | — |
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. John's Health Care Corporation Wrap Benefit Plan#502 · insurance, general assets | December 31, 2024 | June 3, 2025 | before deadline | 423 |
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. John's Healthcare Corporation pay in health insurance broker commissions in 2024?
ST. John's Healthcare Corporation's 2024 Form 5500 reports $109,929 in broker commissions and fees across 7 insurance contracts ($108,141 in commissions, $1,788 in fees), with Gallagher receiving the largest share.
Is ST. John's Healthcare Corporation'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. John's Healthcare Corporation's broker compensation compare with similar employers?
ST. John's Healthcare Corporation paid 3.2% 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.