Troon Golf
Updated Filing received by DOL
Troon Golf, an arts & entertainment employer in Scottsdale, Arizona, reported 11,588 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $4.3M in insurance premiums across 15 contracts and $149,227 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 24, 2026, within the extension window.
Who was paid on Troon Golf's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Troon Golf filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Lockton · Dallas, TX | $67,750 | $785 | $68,535 | 4 |
| Aon · Parsippany, NJ | $15,721 | $39,285 | $55,006 | 5 |
| Sara Pennella · Atlanta, GA | $15,459 | $0 | $15,459 | 1 |
| Custom Benefit Programs · Boston, MA | $5,963 | $1,220 | $7,183 | 3 |
| Disability Insurance Services Inc · San Diego, CA | $83 | $0 | $83 | 1 |
| Joanne Marie Mizell · Scottsdale, AZ | $13 | $0 | $13 | 1 |
| Christina Ness · Phoenix, AZ | $9 | $0 | $9 | 1 |
| James Charles Stabilito · Phoenix, AZ | $8 | $0 | $8 | 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 |
|---|---|---|---|---|
| Delta Dental of Arizonadental | 9,858 | $3.4M | — | — |
| University Health Alliancehealth, vision, prescription drug, PPO | 112 | $920,047 | — | — |
| Kaiser Foundation Health Plan, Inc.health, prescription drug, HMO | 67 | — | — | — |
| Hawaii Dental Servicedental | 193 | — | — | — |
| Vision Service Planvision | 5,363 | — | — | — |
| Hawaii Medical Service Associationhealth, HMO, PPO | 38 | — | — | — |
| Metropolitan General Insurance Companycoverage not coded | 595 | — | $52,978 | — |
| American Heritage Life Insurance Companycoverage not coded | 7 | — | $2,434 | — |
| Hartford Life and Accidentcoverage not coded | 11,290 | — | $3 | — |
| Redirect Healthhealth | 40 | — | $2,930 | — |
| Standard Insurance Companycoverage not coded | 11,290 | — | $31,293 | — |
| Berkshire Life Insurance Company of Americacoverage not coded | 49 | — | $20,480 | — |
| Kaiser Foundation Health Plan, Inc.health, prescription drug, HMO | 102 | — | — | — |
| Life Insurance Company of North Americalife, short-term disability, long-term disability | 11,290 | — | $39,109 | — |
| Cigna Health and Life Insurance Companyhealth, dental · amount flagged as implausible, excluded | 16 | — | — | — |
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 Troon Golf 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: $8,215 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 | 11,210 | 11,588 | +3.4% |
| Premiums filed | $4,128,499 | $4,277,103 | not comparable |
| Broker commissions + fees | $363,720 | $149,227 | −59.0% |
| 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 |
|---|---|---|---|---|
| Troon Golf Flexible Benefit Plan#504 · insurance, general assets | December 31, 2025 | August 24, 2026 | within extension | 11,588 |
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 Troon Golf pay in health insurance broker commissions in 2025?
Troon Golf's 2025 Form 5500 reports $149,227 in broker commissions and fees across 15 insurance contracts ($107,936 in commissions, $41,291 in fees), with Lockton receiving the largest share.
Is Troon Golf'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 University Health Alliance, Kaiser Foundation Health Plan, Inc., Hawaii Medical Service Association.
How does Troon Golf's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Troon Golf because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 5,000+ participants that disclosed broker pay reported a median of $458,262.
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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.