Xifin, Inc.
Updated Filing received by DOL
Xifin, Inc., a professional & technical services employer in San Diego, California, reported 1,045 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows 12 insurance contracts with no premium reported and $438,671 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on July 23, 2026, before the deadline.
Who was paid on Xifin, 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 Xifin, Inc. filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Marsh McLennan Agency · San Diego, CA | $239,732 | $197,508 | $437,240 | 10 |
| Crista G Aufdemberg Inc · Tustin, CA | $854 | $0 | $854 | 1 |
| Christopher B Gaukler · Murrieta, CA | $577 | $0 | $577 | 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 | 138 | — | $6,256 | — |
| Delta Dental of Californiadental | 754 | — | $94,355 | — |
| Unum Life Insurance Company of Americacoverage not coded | 145 | — | $9,563 | — |
| Unum Life Insurance Company of Americalife | 882 | — | $38,836 | — |
| Unum Life Insurance Company of Americashort-term disability, long-term disability | 883 | — | $43,458 | — |
| Aetna Behavioral Health, LLCcoverage not coded | — | — | — | — |
| California Physicians Servicehealth, prescription drug, HMO, PPO | 711 | — | $181,212 | — |
| Health and Human Resource Centercoverage not coded | 306 | — | — | — |
| Unum Insurance Companycoverage not coded | 166 | — | $6,581 | — |
| Vision Service Planvision | 721 | — | $10,277 | — |
| Pre-Paid Legal Services Inc dba Legalshieldcoverage not coded | 114 | — | $2,713 | — |
| Blue Cross of Californiahealth, prescription drug, HMO, PPO | 804 | — | $45,420 | — |
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 Xifin, 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 | 898 | 1,045 | +16.4% |
| Premiums filed | $0 | $0 | not comparable |
| Broker commissions + fees | $561,733 | $438,671 | −21.9% |
| 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 |
|---|---|---|---|---|
| Xifin, Inc. Health and Welfare Benefit Plan#501 · insurance, general assets | December 31, 2025 | July 23, 2026 | before deadline | 1,045 |
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 Xifin, Inc. pay in health insurance broker commissions in 2025?
Xifin, Inc.'s 2025 Form 5500 reports $438,671 in broker commissions and fees across 12 insurance contracts ($241,163 in commissions, $197,508 in fees), with Marsh McLennan Agency receiving the largest share.
Is Xifin, Inc.'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 California Physicians Service, Blue Cross of California.
How does Xifin, Inc.'s broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Xifin, 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.