The National Center for Children and Families
Updated Filing received by DOL
The National Center for Children and Families, a healthcare & social assistance employer in Bethesda, Maryland, reported 269 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows 4 insurance contracts with no premium reported and $340,516 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on August 20, 2026, before the deadline.
Who was paid on The National Center for Children and Families'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 National Center for Children and Families filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Alliant Insurance Services · San Diego, CA | $42,786 | $156,711 | $199,497 | 4 |
| Amwins Connect Administrators, Inc. · Hunt Valley, MD | $7,811 | $61,822 | $69,633 | 2 |
| Mullaney Enterprises LLC · Columbia, MD | $19,684 | $9,482 | $29,166 | 1 |
| Casey James Kugler · Elkhorn, NE | $625 | $9,874 | $10,499 | 1 |
| Colleen a Vogan · Lexington, SC | $9,150 | $293 | $9,443 | 1 |
| Stephanie Noelle Kugler · Elkhorn, NE | $3,289 | $2,119 | $5,408 | 1 |
| Jennifer E Lubelsky · New York, NY | $2,298 | $503 | $2,801 | 1 |
| Marcey Steese · Charleston, SC | $1,457 | $834 | $2,291 | 1 |
| Ernesto McKenzie JR · Laurel, MD | $2,113 | $0 | $2,113 | 1 |
| Tracey Hamilton · Towson, MD | $1,648 | $178 | $1,826 | 1 |
| Gustavo Tode · Germantown, MD | $1,223 | $254 | $1,477 | 1 |
| Emlyn Marsteller Iv · Herndon, VA | $1,366 | $68 | $1,434 | 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 |
|---|---|---|---|---|
| Pre-Paid Legal Services, Inc. dba Legalshieldcoverage not coded | 52 | — | $1,780 | — |
| Colonial Life & Accident Insurance Companycoverage not coded | 253 | — | $121,904 | — |
| Hartford Life and Accidentlife, long-term disability | 527 | — | $11,977 | — |
| Cigna Health and Life Insurance Company and Affiliateshealth, dental, vision, prescription drug, indemnity | 189 | — | $204,855 | — |
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 National Center for Children and Families 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 | 252 | 269 | +6.7% |
| Premiums filed | $2,076,283 | $0 | not comparable |
| Broker commissions + fees | $280,954 | $340,516 | +21.2% |
| Commission rate | 9.4% | — | — |
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 National Center for Children and Families Wrap Plan#503 · insurance, general assets | February 28, 2026 | August 20, 2026 | before deadline | 269 |
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 National Center for Children and Families pay in health insurance broker commissions in 2025?
The National Center for Children and Families's 2025 Form 5500 reports $340,516 in broker commissions and fees across 4 insurance contracts ($97,939 in commissions, $242,577 in fees), with Alliant Insurance Services receiving the largest share.
Is The National Center for Children and Families's health plan self-funded or fully insured?
The 2025 filing indicates the plan is a mix of insured and self-funded coverage. Medical coverage is written by Cigna Health and Life Insurance Company and Affiliates.
How does The National Center for Children and Families's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for The National Center for Children and Families 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.
Send the full findings to your inbox.
A specialist writes up every finding for The National Center for Children and Families with the methodology and public-source citations, in a form you can forward to your CFO or counsel. Tick the box if you also want a 15-minute walkthrough call.
We don't sell your email. By submitting, you agree that BenefitsLedger and its benefits advisory partner, WellthCare, may email or call you about these findings. Opt out anytime by replying. See our privacy policy.
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.