Suburban Adult Services, Inc.
Updated Filing received by DOL
Suburban Adult Services, Inc., a healthcare & social assistance employer in Elma, New York, reported 2,273 participants in its health and welfare plans for plan year 2024. Its Form 5500 shows $4.6M in insurance premiums across 9 contracts and $128,807 in broker commissions and fees, 1.5% 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 October 15, 2025, within the extension window.
Who was paid on Suburban Adult Services, 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 Suburban Adult Services, Inc. filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Gallagher · Rolling Meadows, IL | $106,062 | $11,196 | $117,258 | 9 |
| Emerson Rogers LLC · Blue Bel, PA | $11,549 | $0 | $11,549 | 1 |
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 |
|---|---|---|---|---|
| Independent Healthhealth, dental, vision, prescription drug | 351 | $4.6M | $67,682 | 1.5% |
| The Guardian Life Insurance Company of Americadental, vision | 498 | — | $19,957 | — |
| First Reliance Standard Life Ins. Co.short-term disability | 1,376 | — | $24,147 | — |
| First Reliance Standard Life Ins. Co.life | 511 | — | $4,171 | — |
| First Reliance Standard Life Ins. Co.long-term disability | 63 | — | $2,690 | — |
| First Reliance Standard Life Ins. Co.coverage not coded | 54 | — | $169 | — |
| First Reliance Standard Life Ins. Co.life | 44 | — | $1,846 | — |
| First Reliance Standard Life Ins. Co.long-term disability | 32 | — | $4,360 | — |
| First Reliance Standard Life Ins. Co.short-term disability | 43 | — | $3,785 | — |
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 Suburban Adult Services, 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.
Premium per covered person on medical contracts: $12,974 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 | 2,972 | 2,273 | −23.5% |
| Premiums filed | $4,695,125 | $4,553,748 | −3.0% |
| Broker commissions + fees | $103,880 | $128,807 | +24.0% |
| Commission rate | 1.4% | 1.5% | +0.0 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 |
|---|---|---|---|---|
| Suburban Adult Services Welfare Plan#520 · insurance | December 31, 2024 | October 15, 2025 | within extension | 2,273 |
| Suburban Adult Services, Inc. Section 105 Plan#525 · general assets | December 31, 2024 | October 15, 2025 | within extension | 288 |
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 Suburban Adult Services, Inc. pay in health insurance broker commissions in 2024?
Suburban Adult Services, Inc.'s 2024 Form 5500 reports $128,807 in broker commissions and fees across 9 insurance contracts ($117,611 in commissions, $11,196 in fees), with Gallagher receiving the largest share.
Is Suburban Adult Services, Inc.'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 Independent Health.
How does Suburban Adult Services, Inc.'s broker compensation compare with similar employers?
Suburban Adult Services, Inc. paid 1.5% of medical premium in commissions and fees. The median for employers with 1,000-4,999 participants is 2.0%, 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.