SWBR Architecture, Engineering & Landscape Architecture, D.P.C.
Updated Filing received by DOL
SWBR Architecture, Engineering & Landscape Architecture, D.P.C., a professional & technical services employer in Rochester, New York, reported 125 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows 9 insurance contracts with no premium reported and $77,685 in broker commissions and fees. The plan is fully insured (an insurance carrier pays claims). The Department of Labor received the filing on July 21, 2026, before the deadline.
Who was paid on SWBR Architecture, Engineering & Landscape Architecture, D.P.C.'s plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract SWBR Architecture, Engineering & Landscape Architecture, D.P.C. filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Brown & Brown · Parsippany, NJ | $71,948 | $5,126 | $77,074 | 13 |
| Strategic Non-Medical Solution · Boston, MA | $599 | $0 | $599 | 1 |
| Alliance Financial Network | $12 | $0 | $12 | 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 |
|---|---|---|---|---|
| The Guardian Life Insurance Company of Americacoverage not coded | 46 | — | $2,352 | — |
| Vision Service Planvision | 92 | — | $1,056 | — |
| Lincoln Life & Annuity Company of New Yorklong-term disability | 129 | — | $3,822 | — |
| Lincoln Life & Annuity Company of New Yorklife | 129 | — | $2,759 | — |
| Lincoln Life & Annuity Company of New Yorkshort-term disability | 110 | — | $2,092 | — |
| Lincoln Life & Annuity Company of New Yorkdental | 94 | — | $6,336 | — |
| Excellus Blue Cross Blue Shieldhealth, prescription drug | 89 | — | $57,021 | — |
| Lincoln Life & Annuity Company of New Yorkcoverage not coded | 79 | — | $2,247 | — |
| Employee Network, Inc.coverage not coded | 120 | — | — | — |
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 SWBR Architecture, Engineering & Landscape Architecture, D.P.C. 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 | 124 | 125 | +0.8% |
| Premiums filed | $10,411 | $0 | not comparable |
| Broker commissions + fees | $76,042 | $77,685 | +2.2% |
| 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 |
|---|---|---|---|---|
| SWBR Architecture, Engineering & Landscape Architecture, D.P.C. Welfare Benefit Plan#502 · insurance | December 31, 2025 | July 21, 2026 | before deadline | 125 |
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 SWBR Architecture, Engineering & Landscape Architecture, D.P.C. pay in health insurance broker commissions in 2025?
SWBR Architecture, Engineering & Landscape Architecture, D.P.C.'s 2025 Form 5500 reports $77,685 in broker commissions and fees across 9 insurance contracts ($72,559 in commissions, $5,126 in fees), with Brown & Brown receiving the largest share.
Is SWBR Architecture, Engineering & Landscape Architecture, D.P.C.'s health plan self-funded or fully insured?
The 2025 filing indicates the plan is fully insured (an insurance carrier pays claims). Medical coverage is written by Excellus Blue Cross Blue Shield.
How does SWBR Architecture, Engineering & Landscape Architecture, D.P.C.'s broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for SWBR Architecture, Engineering & Landscape Architecture, D.P.C. 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.