Villager Construction, Inc.
Updated Filing received by DOL a plan year 2025 filing was received July 10, 2026 for 1 of this employer's 2 plans; this record moves to 2025 when all have arrived
Villager Construction, Inc., a construction employer in Fairport, New York, reported 249 participants in its health and welfare plans for plan year 2024. Its Form 5500 shows $1.4M in insurance premiums across 5 contracts and $68,315 in broker commissions and fees, 4.0% 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 December 16, 2025, before the deadline.
Who was paid on Villager Construction, 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 Villager Construction, Inc. filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Brown & Brown · Rochester, NY | $64,585 | $2,300 | $66,885 | 11 |
| Strategic Non-Medical Sltns LLC · Boston, MA | $0 | $1,430 | $1,430 | 2 |
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 |
|---|---|---|---|---|
| Excellus Blue Cross Blue Sheildhealth, prescription drug | 124 | $1.3M | $54,338 | 4.0% |
| Vision Service Planvision | 84 | $7,062 | $713 | — |
| Metropolitan Life Insurance Companydental | 186 | — | $3,169 | — |
| Lincoln Life & Annuity Company of New Yorklife | 230 | — | $3,469 | — |
| Lincoln Life & Annuity Company of New Yorklong-term disability | 230 | — | $6,626 | — |
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 Villager Construction, 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: $10,833 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
| 2023 | 2024 | Change | |
|---|---|---|---|
| Participants | 251 | 249 | −0.8% |
| Premiums filed | $1,257,409 | $1,350,375 | +7.4% |
| Broker commissions + fees | $64,100 | $68,315 | +6.6% |
| Commission rate | 4.1% | 4.0% | −0.0 pts |
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 |
|---|---|---|---|---|
| Welfare Benefits Plan for the Employees of Villager Construction, Inc.#510 · trust | June 30, 2025 | December 16, 2025 | before deadline | 249 |
| Villager Construction, Inc. Health Insurance Plan#502 · insurance | December 31, 2024 | July 17, 2025 | before deadline | 223 |
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 Villager Construction, Inc. pay in health insurance broker commissions in 2024?
Villager Construction, Inc.'s 2024 Form 5500 reports $68,315 in broker commissions and fees across 5 insurance contracts ($64,585 in commissions, $3,730 in fees), with Brown & Brown receiving the largest share.
Is Villager Construction, Inc.'s health plan self-funded or fully insured?
The 2024 filing indicates the plan is a mix of insured and self-funded coverage. Medical coverage is written by Excellus Blue Cross Blue Sheild.
How does Villager Construction, Inc.'s broker compensation compare with similar employers?
Villager Construction, Inc. paid 4.0% of medical premium in commissions and fees. The median for employers with 200-499 participants is 3.6%, and the median in New York is 3.7%. 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.