Western Health Advantage
Updated Filing received by DOL
Western Health Advantage, a finance & insurance employer in Sacramento, California, reported 228 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows 8 insurance contracts with no premium reported and $59,137 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on June 16, 2026, before the deadline.
Who was paid on Western Health Advantage's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Western Health Advantage filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Bayhabenefits Insurance Soluti · Fair Oaks, CA | $52,127 | $0 | $52,127 | 6 |
| Craig Allen Pfaff · Sacramento, CA | $3,876 | $53 | $3,929 | 1 |
| Eric N Rawlings · Sacramento, CA | $907 | $0 | $907 | 1 |
| Leon Norman Davidson · Evanston, IL | $437 | $0 | $437 | 1 |
| Deborah L Senn · Folsom, CA | $371 | $0 | $371 | 1 |
| Diana Cabral Rentchler · West Sacramento, CA | $289 | $0 | $289 | 1 |
| Jace G Kuersten · Scottsdale, AZ | $221 | $0 | $221 | 1 |
| Peter James Sarantis · Roseville, CA | $166 | $6 | $172 | 1 |
| David B Kitchen · La Canada Flintridge, CA | $151 | $0 | $151 | 1 |
| Aimee L Pfaff · Citrus Heights, CA | $134 | $0 | $134 | 1 |
| Sarah Ann Thaxton · Sacramento, CA | $115 | $6 | $121 | 1 |
| James S Sarantis · Portland, OR | $83 | $0 | $83 | 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 |
|---|---|---|---|---|
| Unum Life Insurance Company of Americacoverage not coded | 232 | — | $8,190 | — |
| Unum Life Insurance Company of Americalife, long-term disability | 227 | — | $10,170 | — |
| Unum Life Insurance Company of Americacoverage not coded | 176 | — | $9,020 | — |
| Aflaccoverage not coded | 57 | — | $7,010 | — |
| Premier Access Insurance Company Asodental | 251 | — | — | — |
| Western Health Advantagehealth, prescription drug | 242 | — | $19,415 | — |
| Eyemed Vision Care on Behalf of the Fidelity Security Life Ins. Co.vision | 246 | — | $5,312 | — |
| Eyemed Vision Care on Behalf of the Fidelity Security Life Ins. Co.vision | 2 | — | $20 | — |
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 Western Health Advantage 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 | 203 | 228 | +12.3% |
| Premiums filed | $0 | $0 | not comparable |
| Broker commissions + fees | $49,992 | $59,137 | +18.3% |
| 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 |
|---|---|---|---|---|
| Western Health Advantage Welfare Benefits Plan#501 · insurance, general assets | December 31, 2025 | June 16, 2026 | before deadline | 228 |
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 Western Health Advantage pay in health insurance broker commissions in 2025?
Western Health Advantage's 2025 Form 5500 reports $59,137 in broker commissions and fees across 8 insurance contracts ($59,072 in commissions, $65 in fees), with Bayhabenefits Insurance Soluti receiving the largest share.
Is Western Health Advantage's health plan self-funded or fully insured?
The 2025 filing indicates the plan is a mix of insured and self-funded coverage. Medical coverage is written by Western Health Advantage.
How does Western Health Advantage's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Western Health Advantage 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.