Subaru Distributors Corp.
Updated Filing received by DOL
Subaru Distributors Corp., a wholesale trade employer in Orangeburg, New York, reported 467 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $6.3M in insurance premiums across 4 contracts and $282,436 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 August 14, 2026, within the extension window.
Who was paid on Subaru Distributors Corp.'s plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Subaru Distributors Corp. filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Gallagher · Rolling Meadows, IL | $213,583 | $52,207 | $265,790 | 3 |
| Indigo Insurance Services, LLC · Worcester, MA | $16,646 | $0 | $16,646 | 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 |
|---|---|---|---|---|
| Blue Cross Blue Shield of Massachusetts, Inc.health, prescription drug, PPO | 744 | $6.3M | $227,309 | 3.6% |
| Eyemed Vision Care on Behalf of Fidelity Security Life Ins. Co. of NYvision | 777 | — | $3,474 | — |
| Federal Insurance Companycoverage not coded | 447 | — | — | — |
| Symetra Life Insurance Companylife, short-term disability, long-term disability | 447 | — | $51,653 | — |
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 Subaru Distributors Corp. 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: $8,507 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
| 2024 | 2025 | Change | |
|---|---|---|---|
| Participants | 478 | 467 | −2.3% |
| Premiums filed | $6,204,810 | $6,329,561 | +2.0% |
| Broker commissions + fees | $292,057 | $282,436 | −3.3% |
| Commission rate | 3.7% | 3.6% | −0.1 pts |
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 |
|---|---|---|---|---|
| Subaru Distributors Corp. Health and Welfare Plan#512 · insurance, general assets | December 31, 2025 | August 14, 2026 | within extension | 467 |
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 Subaru Distributors Corp. pay in health insurance broker commissions in 2025?
Subaru Distributors Corp.'s 2025 Form 5500 reports $282,436 in broker commissions and fees across 4 insurance contracts ($230,229 in commissions, $52,207 in fees), with Gallagher receiving the largest share.
Is Subaru Distributors Corp.'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 Blue Cross Blue Shield of Massachusetts, Inc..
How does Subaru Distributors Corp.'s broker compensation compare with similar employers?
Subaru Distributors Corp. paid 3.6% 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.