United Community Options
Updated Filing received by DOL
United Community Options, a healthcare & social assistance employer in Hialeah, Florida, reported 414 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows $46,306 in insurance premiums across 8 contracts and $52,799 in broker commissions and fees. The plan is fully insured (an insurance carrier pays claims). The Department of Labor received the filing on June 30, 2025, before the deadline.
Who was paid on United Community Options's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract United Community Options filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Various Agents-See Attached | $33,048 | $1,227 | $34,275 | 4 |
| First Florida Insurance Broker · Tampa, FL | $12,949 | $0 | $12,949 | 3 |
| National Agency Solutions, LLC · Sarasota, FL | $5,575 | $0 | $5,575 | 1 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2024, as published in EBSA's 2024 "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 |
|---|---|---|---|---|
| Standard Life Insurancelife | 502 | $46,306 | $2,852 | 6.2% |
| Humana Insurance Company*health, dental, vision, HMO, PPO | 308 | — | $7,029 | — |
| American Public Life Insurance Companycoverage not coded | 53 | — | $8,643 | — |
| Aflaccoverage not coded | 8 | — | $2,498 | — |
| Aflaccoverage not coded | 34 | — | $4,129 | — |
| Aflaccoverage not coded | 60 | — | $12,612 | — |
| Aflaccoverage not coded | 81 | — | $15,036 | — |
| Recuro Health, Inc.coverage not coded | 2,355 | — | — | — |
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 United Community Options 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
| 2023 | 2024 | Change | |
|---|---|---|---|
| Participants | 389 | 414 | +6.4% |
| Premiums filed | $41,518 | $46,306 | not comparable |
| Broker commissions + fees | $88,023 | $52,799 | −40.0% |
| Commission rate | — | — | — |
Source: DOL Form 5500 filings for plan years 2023 and 2024.
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 |
|---|---|---|---|---|
| United Community Options Employees' Cafeteria Plan#501 · insurance | December 31, 2024 | June 30, 2025 | before deadline | 414 |
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 United Community Options pay in health insurance broker commissions in 2024?
United Community Options's 2024 Form 5500 reports $52,799 in broker commissions and fees across 8 insurance contracts ($51,572 in commissions, $1,227 in fees), with Various Agents-See Attached receiving the largest share.
Is United Community Options's health plan self-funded or fully insured?
The 2024 filing indicates the plan is fully insured (an insurance carrier pays claims). Medical coverage is written by Humana Insurance Company*.
How does United Community Options's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for United Community Options 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 United Community Options 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.