V Cruises US, LLC dba Virgin Voyages
Updated Filing received by DOL
V Cruises US, LLC dba Virgin Voyages, an administrative & support services employer in Plantation, Florida, reported 546 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows 2 insurance contracts with no premium reported and $79,628 in broker commissions and fees. The plan is self-funded (the employer pays claims itself). The Department of Labor received the filing on September 24, 2026, within the extension window.
Who was paid on V Cruises US, LLC dba Virgin Voyages's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract V Cruises US, LLC dba Virgin Voyages filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Lockton · Atlanta, GA | $57,281 | $17,227 | $74,508 | 4 |
| Brown & Brown · El Segundo, CA | $4,267 | $853 | $5,120 | 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 |
|---|---|---|---|---|
| The Lincoln National Life Insurance Companylife, short-term disability, long-term disability | 519 | — | $76,723 | — |
| Cigna Health and Life Insurance Companycoverage not coded | 519 | — | $2,905 | — |
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 V Cruises US, LLC dba Virgin Voyages 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 | 499 | 546 | +9.4% |
| Premiums filed | $0 | $0 | — |
| Broker commissions + fees | $63,828 | $79,628 | +24.8% |
| 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 |
|---|---|---|---|---|
| V Cruises US, LLC dba Virgin Voyages Health & Welfare Plan#501 · insurance, general assets | December 31, 2025 | September 24, 2026 | within extension | 546 |
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 V Cruises US, LLC dba Virgin Voyages pay in health insurance broker commissions in 2025?
V Cruises US, LLC dba Virgin Voyages's 2025 Form 5500 reports $79,628 in broker commissions and fees across 2 insurance contracts ($61,548 in commissions, $18,080 in fees), with Lockton receiving the largest share.
Is V Cruises US, LLC dba Virgin Voyages's health plan self-funded or fully insured?
The 2025 filing indicates the plan is self-funded (the employer pays claims itself).
How does V Cruises US, LLC dba Virgin Voyages's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for V Cruises US, LLC dba Virgin Voyages because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 500-999 participants that disclosed broker pay reported a median of $104,902.
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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.