The Guidance Center
Updated Filing received by DOL
The Guidance Center, a healthcare & social assistance employer in Bradford, Pennsylvania, reported 103 participants in its health and welfare plan for plan year 2024. Its Form 5500 lists 1 insurance contract on Schedule A but reports no premium and no broker compensation on them. The plan is self-funded (the employer pays claims itself, with stop-loss coverage from HM Life Insurance Company). The Department of Labor received the filing on March 5, 2026, within the extension window.
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 |
|---|---|---|---|---|
| HM Life Insurance Companystop-loss | 105 | — | — | — |
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 Guidance Center 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.
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 Guidance Center Group Medical Plan#502 · insurance, trust | June 30, 2025 | March 5, 2026 | within extension | 103 |
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 Guidance Center pay in health insurance broker commissions in 2024?
The Guidance Center's 2024 Form 5500 reports no broker commissions or fees on Schedule A. Self-funded plans often pay consultants directly, which the public filing does not always capture.
Is The Guidance Center's health plan self-funded or fully insured?
The 2024 filing indicates the plan is self-funded (the employer pays claims itself, with stop-loss coverage from HM Life Insurance Company).
How does The Guidance Center's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for The Guidance Center 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.