Visiting Nurse Services of Newport and Bristol Counties
Updated Filing received by DOL
Visiting Nurse Services of Newport and Bristol Counties, a healthcare & social assistance employer in Middletown, Rhode Island, reported 142 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $73,740 in insurance premiums across 4 contracts and $32,116 in broker commissions and fees. The plan is fully insured (an insurance carrier pays claims). The Department of Labor received the filing on June 24, 2026, before the deadline.
Who was paid on Visiting Nurse Services of Newport and Bristol Counties's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Visiting Nurse Services of Newport and Bristol Counties filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| NFP · New York, NY | $8,087 | $20,376 | $28,463 | 4 |
| The Schuster Group · West Hartford, CT | $3,653 | $0 | $3,653 | 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 |
|---|---|---|---|---|
| Standard Insurance Companylife, short-term disability, long-term disability | 133 | $73,740 | $8,892 | 12.1% |
| Blue Cross Blue Shield of Rhode Islandhealth, prescription drug | 171 | — | $18,774 | — |
| Delta Dental of Rhode Islanddental | 205 | — | $3,653 | — |
| Eyemed Vision Care on Behalf of the Fidelity Security Life Ins. Co.vision | 121 | — | $797 | — |
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 Visiting Nurse Services of Newport and Bristol Counties 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 | 156 | 142 | −9.0% |
| Premiums filed | $75,451 | $73,740 | not comparable |
| Broker commissions + fees | $36,782 | $32,116 | −12.7% |
| 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 |
|---|---|---|---|---|
| Visiting Nurse Home and Hospice Health and Welfare Plan#501 · insurance | December 31, 2025 | June 24, 2026 | before deadline | 142 |
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 Visiting Nurse Services of Newport and Bristol Counties pay in health insurance broker commissions in 2025?
Visiting Nurse Services of Newport and Bristol Counties's 2025 Form 5500 reports $32,116 in broker commissions and fees across 4 insurance contracts ($11,740 in commissions, $20,376 in fees), with NFP receiving the largest share.
Is Visiting Nurse Services of Newport and Bristol Counties's health plan self-funded or fully insured?
The 2025 filing indicates the plan is fully insured (an insurance carrier pays claims). Medical coverage is written by Blue Cross Blue Shield of Rhode Island.
How does Visiting Nurse Services of Newport and Bristol Counties's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Visiting Nurse Services of Newport and Bristol Counties because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 100-199 participants that disclosed broker pay reported a median of $53,852.
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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.