Sullivan & Worcester LLP
Updated Filing received by DOL
Sullivan & Worcester LLP, a professional & technical services employer in Boston, Massachusetts, reported 255 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows $3.3M in insurance premiums across 8 contracts and $132,285 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on October 13, 2025, within the extension window.
Who was paid on Sullivan & Worcester LLP's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Sullivan & Worcester LLP filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Gallagher · Chicago, IL | $97,679 | $22,975 | $120,654 | 9 |
| The Meltzer Group, Inc. · Bethesda, MD | $4,310 | $603 | $4,913 | 1 |
| Plansource Benefit Administration · Orlando, FL | $4,797 | $0 | $4,797 | 2 |
| Potomac Basin Group Assoc., LLC · Beltsville, MD | $0 | $1,922 | $1,922 | 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 |
|---|---|---|---|---|
| Blue Cross Blue Shield of Massachusetts, Inc.health, prescription drug, PPO | 257 | $3.3M | $71,970 | 2.2% |
| Unum Life Insurance Company of Americalong-term disability | 256 | — | $20,159 | — |
| Group Hospitalization Medical Services, Inc.health, dental, prescription drug, HMO, PPO | 22 | — | $6,834 | — |
| Zurich American Insurance Companycoverage not coded | 83 | — | $2,865 | — |
| Hartford Life and Accident Insurance Companycoverage not coded | 256 | — | $427 | — |
| Unum Life Insurance Company of Americalife | 249 | — | $22,711 | — |
| Dental Service of Massachusetts, Inc. dba Delta Dental of Madental | 359 | — | $5,579 | — |
| Eyemed Vision Care on Behalf of Fidelity Security Life Insurance Co.vision | 313 | — | $1,740 | — |
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 Sullivan & Worcester LLP 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.
Premium per covered person on medical contracts: $12,932 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 | 250 | 255 | +2.0% |
| Premiums filed | $3,348,041 | $3,323,523 | not comparable |
| Broker commissions + fees | $125,742 | $132,285 | +5.2% |
| Commission rate | — | — | — |
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 |
|---|---|---|---|---|
| Sullivan & Worcester LLP Welfare Plan#507 · insurance, general assets | December 31, 2024 | October 13, 2025 | within extension | 255 |
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 Sullivan & Worcester LLP pay in health insurance broker commissions in 2024?
Sullivan & Worcester LLP's 2024 Form 5500 reports $132,285 in broker commissions and fees across 8 insurance contracts ($106,786 in commissions, $25,499 in fees), with Gallagher receiving the largest share.
Is Sullivan & Worcester LLP'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 Blue Cross Blue Shield of Massachusetts, Inc., Group Hospitalization Medical Services, Inc..
How does Sullivan & Worcester LLP's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Sullivan & Worcester LLP because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 200-499 participants that disclosed broker pay reported a median of $77,013.
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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.