The Community Firm, LLP
Updated Filing received by DOL
The Community Firm, LLP, a professional & technical services employer in Denver, Colorado, reported 167 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows 2 insurance contracts with no premium reported and $61,715 in broker commissions and fees. The plan is fully insured (an insurance carrier pays claims). The Department of Labor received the filing on July 15, 2026, before the deadline.
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 |
|---|---|---|---|---|
| Kaiser Foundation Health Plan of Coloradohealth, prescription drug | 169 | — | $41,975 | — |
| The Guardian Life Insurance Company of Americadental, vision, life, short-term disability, long-term disability, PPO | 176 | — | $19,740 | — |
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 The Community Firm, 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.
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 | 118 | 167 | +41.5% |
| Premiums filed | $0 | $0 | not comparable |
| Broker commissions + fees | $70,306 | $61,715 | −12.2% |
| 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 |
|---|---|---|---|---|
| The Community Firm Health & Welfare Benefit Plan#501 · insurance | December 31, 2025 | July 15, 2026 | before deadline | 167 |
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 Community Firm, LLP pay in health insurance broker commissions in 2025?
The Community Firm, LLP's 2025 Form 5500 reports $61,715 in broker commissions and fees across 2 insurance contracts ($54,991 in commissions, $6,724 in fees).
Is The Community Firm, LLP'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 Kaiser Foundation Health Plan of Colorado.
How does The Community Firm, LLP's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for The Community Firm, LLP 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.