VSC Fire & Security, Inc.
Updated Filing received by DOL
VSC Fire & Security, Inc., a construction employer in Richmond, Virginia, reported 2,656 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $295,040 in insurance premiums across 5 contracts and $1.0M in broker commissions and fees. The plan is self-funded (the employer pays claims itself, with stop-loss coverage from Sun Life Assurance Company of Canada). The Department of Labor received the filing on July 22, 2026, before the deadline.
Who was paid on VSC Fire & Security, 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 VSC Fire & Security, Inc. filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Acrisure · Little Rock, AR | $884,599 | $55,628 | $940,227 | 6 |
| Broker Solutions · Little Rock, AR | $36,208 | $32,213 | $68,421 | 2 |
| Baffin Bay Marketing Group · Austin, TX | $8,457 | $0 | $8,457 | 1 |
| The Hatcher Agency · Little Rock, AR | $131 | $0 | $131 | 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 Vision Plan of Arkansasvision | 2,631 | $295,040 | $53,941 | 18.3% |
| Lincoln National Life Insurance Companylife, short-term disability, long-term disability | 2,272 | — | $570,612 | — |
| 5star Life Insurance Companylife | 822 | — | $122,694 | — |
| Manhattanlife Assurance Co of Americashort-term disability | 897 | — | $45,894 | — |
| Sun Life Assurance Company of Canadastop-loss | 1,623 | — | $224,095 | — |
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 VSC Fire & Security, 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.
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 | 1,640 | 2,656 | +62.0% |
| Premiums filed | $0 | $295,040 | — |
| Broker commissions + fees | $635,402 | $1,017,236 | +60.1% |
| 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 |
|---|---|---|---|---|
| VSC Fire & Security Medical Plan#501 · insurance, general assets | December 31, 2025 | July 22, 2026 | before deadline | 2,656 |
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 VSC Fire & Security, Inc. pay in health insurance broker commissions in 2025?
VSC Fire & Security, Inc.'s 2025 Form 5500 reports $1,017,236 in broker commissions and fees across 5 insurance contracts ($929,395 in commissions, $87,841 in fees), with Acrisure receiving the largest share.
Is VSC Fire & Security, Inc.'s health plan self-funded or fully insured?
The 2025 filing indicates the plan is self-funded (the employer pays claims itself, with stop-loss coverage from Sun Life Assurance Company of Canada).
How does VSC Fire & Security, Inc.'s broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for VSC Fire & Security, Inc. because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 1,000-4,999 participants that disclosed broker pay reported a median of $168,579.
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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.