The 1916 Company
Updated Filing received by DOL
The 1916 Company, a retail — stores, food, auto, clothing employer in Bala Cynwyd, Pennsylvania, reported 232 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows $2.4M in insurance premiums across 6 contracts and $213,608 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on April 29, 2026, within the extension window.
Who was paid on The 1916 Company's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract The 1916 Company filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Kistler Tiffany Benefits General Ag · Berwyn, PA | $142,189 | $4,828 | $147,017 | 3 |
| Conner Strong & Buckelew · Camden, NJ | $26,428 | $18,530 | $44,958 | 6 |
| Creative Benefits, Inc · Newtown Square, PA | $12,218 | $87 | $12,305 | 3 |
| OneDigital · Atlanta, GA | $4,482 | $0 | $4,482 | 3 |
| Creative Benfits Inc., · Newtown Square, PA | $3,114 | $0 | $3,114 | 1 |
| Arthur B Goldberg · Havertown, PA | $606 | $100 | $706 | 1 |
| Main Line Benefit Solutions LLC · Malvern, PA | $203 | $23 | $226 | 1 |
| Bonnie H Drobnes · Lower Gwynedd, PA | $202 | $23 | $225 | 1 |
| Suzanne M Pratowski · Wayne, PA | $120 | $0 | $120 | 1 |
| Rosemary Grasso Moskowitz · Bala Cynwyd, PA | $119 | $0 | $119 | 1 |
| Nancy L Crew · Jenkintown, PA | $70 | $0 | $70 | 1 |
| Aja Iglesias · Gladwyne, PA | $69 | $0 | $69 | 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 |
|---|---|---|---|---|
| Independence Blue Crosshealth, PPO | 381 | $1.7M | $172,692 | 10.4% |
| Independence Blue Crosshealth, prescription drug, PPO | 325 | $712,798 | $9,465 | 1.3% |
| Vision Benefits of Americavision | 269 | $17,285 | $591 | 3.4% |
| Hartford Life and Accidentlife, long-term disability | 471 | — | $17,091 | — |
| The Guardian Life Insurance Company of Americadental | 269 | — | $10,942 | — |
| Aflachealth, life, short-term disability | 27 | — | $2,827 | — |
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 The 1916 Company 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: $3,363 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 | 172 | 232 | +34.9% |
| Premiums filed | $1,307,232 | $2,391,356 | not comparable |
| Broker commissions + fees | $111,246 | $213,608 | +92.0% |
| Commission rate | 7.0% | — | — |
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 |
|---|---|---|---|---|
| Govberg, LLC Plan#501 · insurance, general assets | August 31, 2025 | April 29, 2026 | within extension | 232 |
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 The 1916 Company pay in health insurance broker commissions in 2024?
The 1916 Company's 2024 Form 5500 reports $213,608 in broker commissions and fees across 6 insurance contracts ($190,017 in commissions, $23,591 in fees), with Kistler Tiffany Benefits General Ag receiving the largest share.
Is The 1916 Company'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 Independence Blue Cross, Aflac.
How does The 1916 Company's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for The 1916 Company 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.