Zacros America, Inc.
Updated Filing received by DOL
Zacros America, Inc., a manufacturing — chemical, wood, plastics employer in Newark, Delaware, reported 106 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows 4 insurance contracts with no premium reported and $50,647 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 9, 2025, before the deadline.
Who was paid on Zacros America, 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 Zacros America, Inc. filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Jack W. Abel · Bethesda, MD | $40,938 | $0 | $40,938 | 1 |
| The Meltzer Group Inc · Bethesda, MD | $9,655 | $0 | $9,655 | 2 |
| Employee Navigator LLC · Bethesda, MD | $54 | $0 | $54 | 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 |
|---|---|---|---|---|
| Symetra Life Insurance Companylife, short-term disability, long-term disability | — | — | $8,874 | — |
| Vision Service Planvision | 68 | — | $835 | — |
| Metropolitan Life Insurance Companydental | 197 | — | — | — |
| Highmark Delawarehealth | 145 | — | $40,938 | — |
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 Zacros America, 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.
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 |
|---|---|---|---|---|
| Zacros America Employee Benefits Plan#501 · insurance, general assets | December 31, 2024 | July 9, 2025 | before deadline | 106 |
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 Zacros America, Inc. pay in health insurance broker commissions in 2024?
Zacros America, Inc.'s 2024 Form 5500 reports $50,647 in broker commissions and fees across 4 insurance contracts ($50,647 in commissions, $0 in fees), with Jack W. Abel receiving the largest share.
Is Zacros America, Inc.'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 Highmark Delaware.
How does Zacros America, Inc.'s broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Zacros America, Inc. because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 100-199 participants that disclosed broker pay reported a median of $53,852.
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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.