The Sunshine House, Inc.
Updated Filing received by DOL
The Sunshine House, Inc., a healthcare & social assistance employer in Greenville, South Carolina, reported 527 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $4.4M in insurance premiums across 6 contracts and $223,769 in broker commissions and fees, 2.5% of medical premium against a national median of 3.8% among plans that paid commissions in plan year 2024. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on July 21, 2026, before the deadline.
Who was paid on The Sunshine House, Inc.'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 Sunshine House, Inc. filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Rosenfeld Einstein · Greenville, SC | $119,638 | $0 | $119,638 | 2 |
| Marsh McLennan Agency · Conshohocken, PA | $45,889 | $9,364 | $55,253 | 6 |
| Fmlasource Inc · Chicago, IL | $0 | $24,217 | $24,217 | 1 |
| Mark P Ensley · Simpsonville, SC | $15,249 | $0 | $15,249 | 1 |
| Michele Bianca Jain · Greenville, SC | $3,198 | $0 | $3,198 | 1 |
| Kerry Colvin · Simpsonville, SC | $2,761 | $0 | $2,761 | 1 |
| Scott Sibley · Moore, SC | $1,937 | $0 | $1,937 | 1 |
| Heather Lawson · Greenville, SC | $919 | $0 | $919 | 1 |
| Justin M Guidi · Scottsdale, AZ | $270 | $0 | $270 | 1 |
| Candace Hughey Sams · Roswell, GA | $57 | $0 | $57 | 1 |
| Judith a Potwora · Simpsonville, SC | $50 | $0 | $50 | 1 |
| LYNN Wardlaw · Lawrenceville, GA | $24 | $0 | $24 | 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 |
|---|---|---|---|---|
| Blue Cross Blue Shield of South Carolinahealth, prescription drug | 514 | $4.4M | $112,734 | 2.5% |
| Life Insurance Company of North Americalife | 452 | — | $12,904 | — |
| Life Insurance Company of North Americacoverage not coded | 452 | — | $2,322 | — |
| United of Omaha Life Insurance Companyshort-term disability | 226 | — | $52,753 | — |
| Continental American Insurance Companycoverage not coded | 344 | — | $36,152 | — |
| Blue Cross Blue Shield of South Carolinavision | 514 | — | $6,904 | — |
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 Sunshine House, Inc. 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.
Premium per covered person on medical contracts: $8,632 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
| 2024 | 2025 | Change | |
|---|---|---|---|
| Participants | 506 | 527 | +4.2% |
| Premiums filed | $3,810,347 | $4,436,915 | +16.4% |
| Broker commissions + fees | $205,906 | $223,769 | +8.7% |
| Commission rate | 2.8% | 2.5% | −0.3 pts |
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 Sunshine House, Inc. Health and Welfare Plan#504 · insurance, general assets | December 31, 2025 | July 21, 2026 | before deadline | 527 |
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 Sunshine House, Inc. pay in health insurance broker commissions in 2025?
The Sunshine House, Inc.'s 2025 Form 5500 reports $223,769 in broker commissions and fees across 6 insurance contracts ($190,188 in commissions, $33,581 in fees), with Rosenfeld Einstein receiving the largest share.
Is The Sunshine House, Inc.'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 Blue Cross Blue Shield of South Carolina.
How does The Sunshine House, Inc.'s broker compensation compare with similar employers?
The Sunshine House, Inc. paid 2.5% of medical premium in commissions and fees. The median for employers with 500-999 participants is 2.7%, and the median in South Carolina is 3.9%. Percentages are computed only on fully insured medical contracts with filed premiums.
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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.