Wavepoint 3pl
Updated Filing received by DOL
Wavepoint 3pl, a transportation — truck & rail employer in North East, Pennsylvania, reported 285 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows $13,198 in insurance premiums across 5 contracts and $12,667 in broker commissions and fees. The plan is self-funded (the employer pays claims itself). The Department of Labor received the filing on November 26, 2025, before the deadline.
Who was paid on Wavepoint 3pl's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Wavepoint 3pl filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| The HDH Group Inc · Pittsburgh, PA | $4,179 | $1,861 | $6,040 | 4 |
| Fna Insurance Services, Inc · Woodbury, NY | $0 | $5,188 | $5,188 | 2 |
| Timothy Birdsong · Washington, PA | $940 | $0 | $940 | 2 |
| Donna Troxell · Sewickley, PA | $499 | $0 | $499 | 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 |
|---|---|---|---|---|
| Vision Benefits of Americavision | 259 | $13,198 | — | — |
| Unum Life Insurance Company of Americalife | 303 | — | $9,592 | — |
| Unum Life Insurance Company of Americalife | 6 | — | $461 | — |
| Colonial Life & Accident Insurance Companycoverage not coded | 32 | — | $2,547 | — |
| The Paul Revere Life Insurance Companycoverage not coded | 3 | — | $67 | — |
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 Wavepoint 3pl 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.
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 |
|---|---|---|---|---|
| Wavepoint 3pl Health and Welfare Plan#501 · insurance, general assets | April 30, 2025 | November 26, 2025 | before deadline | 285 |
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 Wavepoint 3pl pay in health insurance broker commissions in 2024?
Wavepoint 3pl's 2024 Form 5500 reports $12,667 in broker commissions and fees across 5 insurance contracts ($5,618 in commissions, $7,049 in fees), with The HDH Group Inc receiving the largest share.
Is Wavepoint 3pl's health plan self-funded or fully insured?
The 2024 filing indicates the plan is self-funded (the employer pays claims itself).
How does Wavepoint 3pl's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Wavepoint 3pl 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.
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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.