Sub-Surface of Indiana, Inc.
Updated Filing received by DOL
Sub-Surface of Indiana, Inc., a construction employer in Morgantown, Indiana, reported 107 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $22,851 in insurance premiums across 5 contracts and $23,962 in broker commissions and fees. The plan is self-funded (the employer pays claims itself). The Department of Labor received the filing on May 28, 2026, before the deadline.
Who was paid on Sub-Surface of Indiana, 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 Sub-Surface of Indiana, Inc. filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Katte L Hanner · Greenwood, IN | $6,857 | $312 | $7,169 | 1 |
| Houchens Insurance Group, Inc. · Bowling Green, KY | $4,269 | $198 | $4,467 | 4 |
| Paige Danae Batalis · Plainfield, IN | $2,788 | $75 | $2,863 | 1 |
| Phyllis a Bex · Greenwood, IN | $2,709 | $0 | $2,709 | 1 |
| Kitte Allen and Various Agents · North Charleston, SC | $2,229 | $45 | $2,274 | 1 |
| Imani Conaway · Cumberland, IN | $1,366 | $0 | $1,366 | 1 |
| Candace Y Hildebran · Greenwood, IN | $1,325 | $0 | $1,325 | 1 |
| Rick McPherson · Indianapolis, IN | $868 | $74 | $942 | 1 |
| Stealth Partner Group, LLC · Scottsdale, AZ | $0 | $847 | $847 | 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 |
|---|---|---|---|---|
| Delta Dental of Indianadental, vision | 111 | $22,851 | $2,280 | 10.0% |
| Hartford Life and Accidentlife | 111 | — | $949 | — |
| HCC Life Insurance Companycoverage not coded | 83 | — | $2,085 | — |
| Aflacdental, vision, life, short-term disability, indemnity | 66 | — | $18,648 | — |
| Sun Life Assurance Company of Canadadental | 2 | — | — | — |
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 Sub-Surface of Indiana, 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
| 2024 | 2025 | Change | |
|---|---|---|---|
| Participants | 106 | 107 | +0.9% |
| Premiums filed | $0 | $22,851 | — |
| Broker commissions + fees | $18,692 | $23,962 | +28.2% |
| 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 |
|---|---|---|---|---|
| Sub-Surface of Indiana, Inc. Health and Welfare Benefit Plan#501 · insurance, general assets | December 31, 2025 | May 28, 2026 | before deadline | 107 |
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 Sub-Surface of Indiana, Inc. pay in health insurance broker commissions in 2025?
Sub-Surface of Indiana, Inc.'s 2025 Form 5500 reports $23,962 in broker commissions and fees across 5 insurance contracts ($22,411 in commissions, $1,551 in fees), with Katte L Hanner receiving the largest share.
Is Sub-Surface of Indiana, Inc.'s health plan self-funded or fully insured?
The 2025 filing indicates the plan is self-funded (the employer pays claims itself).
How does Sub-Surface of Indiana, Inc.'s broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Sub-Surface of Indiana, Inc. because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 100-199 participants that disclosed broker pay reported a median of $53,852.
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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.