Yale University
Updated Filing received by DOL a plan year 2025 filing was received June 16, 2026 for 1 of this employer's 2 plans; this record moves to 2025 when all have arrived
Yale University, an education services employer in New Haven, Connecticut, reported 23,348 participants in its health and welfare plans for plan year 2024. Its Form 5500 shows $13M in insurance premiums across 18 contracts and $511,052 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on April 13, 2026, within the extension window.
Who was paid on Yale University's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Yale University filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Brown & Brown · Southborough, MA | $433,139 | $75,000 | $508,139 | 6 |
| Aon · Philadelphia, PA | $2,913 | $0 | $2,913 | 1 |
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 |
|---|---|---|---|---|
| Standard Insurance Companylong-term disability | 37,525 | $7.3M | $166,390 | 2.3% |
| Standard Insurance Companylife | 21,256 | $5.7M | $249,095 | 4.4% |
| Aetna Life Insurance Co.health, PPO | 2,845 | — | — | — |
| Aetna Life Insurance Co.health, PPO | 2,730 | — | — | — |
| Aetna Life Insurance Co.indemnity | 4,777 | — | $92,654 | — |
| Aetna Life Insurance Companyhealth, vision | 34 | — | — | — |
| Cigna Health and Life Insurance Company and Affiliates (cigna)dental, indemnity | 50 | — | — | — |
| Delta Dental of New Jersey, Inc.dental | 34,865 | — | — | — |
| Magellan Healthcarecoverage not coded | 13,954 | — | — | — |
| National Union Fire Ins. Co. of Pittsburgh, PAcoverage not coded | 48,355 | — | — | — |
| United Behavioral Health dba Optumcoverage not coded | 19,361 | — | — | — |
| Eyemed Vision Carevision | 8,599 | — | — | — |
| Eyemed Vision Carevision | 51 | — | — | — |
| Eyemed Vision Carevision | 15,174 | — | — | — |
| Eyemed Vision Carevision | 120 | — | — | — |
| Hartford Life and Accidentcoverage not coded | 90 | — | $2,913 | — |
| Eyemed Vision Carevision | 1,505 | — | — | — |
| Eyemed Vision Carevision | 1,626 | — | — | — |
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 Yale University 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
| 2023 | 2024 | Change | |
|---|---|---|---|
| Participants | 22,266 | 23,348 | +4.9% |
| Premiums filed | $13,155,964 | $12,952,051 | −1.5% |
| Broker commissions + fees | $438,786 | $511,052 | +16.5% |
| Commission rate | — | — | — |
Source: DOL Form 5500 filings for plan years 2023 and 2024.
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 |
|---|---|---|---|---|
| Yale University Plan of Health Coverage for Retired Employees#524 · insurance, general assets, trust | June 30, 2025 | April 13, 2026 | within extension | 23,348 |
| Yale University Welfare & Fringe Benefit Plan#525 · insurance, general assets | December 31, 2024 | July 10, 2025 | before deadline | 22,841 |
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 Yale University pay in health insurance broker commissions in 2024?
Yale University's 2024 Form 5500 reports $511,052 in broker commissions and fees across 18 insurance contracts ($436,052 in commissions, $75,000 in fees), with Brown & Brown receiving the largest share.
Is Yale University's health plan self-funded or fully insured?
The 2024 filing indicates the plan is a mix of insured and self-funded coverage. Medical coverage is written by Aetna Life Insurance Co., Aetna Life Insurance Company.
How does Yale University's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Yale University because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 5,000+ participants that disclosed broker pay reported a median of $458,262.
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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.