Plan Ledger DOL Form 5500 · updated monthly

First Student, Inc.benefits

Firstgroup America, Inc. Health & Welfare Plan · CINCINNATI, OH · plan year 2025

Broker compensation reported · 2025
$430,419

First Student, Inc.'s benefits plans covered 50,777 active participants in 2025, providing health · life · dental · vision · short-term disability · long-term disability · other. Insurance premiums totaled $1,380,496. Insurance brokers and agents were paid $430,419 in commissions and fees, costs that ultimately come out of what the employer and employees pay for coverage. That works out to 31.2% of premiums. That is $8 per covered person, in the bottom quarter of employer plans that report broker pay. Broker pay rose 1.7% from $423,212 in 2024.

Insurance contracts · 202519
VISION SERVICE PLAN · vision$1.4M · 7,247 covered
LINCOLN NATIONAL LIFE INSURANCE COMPANY · lifepremiums n/a · 48,161 covered
LINCOLN NATIONAL LIFE INSURANCE COMPANY · ltdpremiums n/a · 608 covered
LINCOLN NATIONAL LIFE INSURANCE COMPANY · stdpremiums n/a · 5,803 covered
HEALTH NEW ENGLAND, INC. · healthpremiums n/a · 26 covered
EXCELLUS BLUE CROSS BLUE SHIELD · health drugpremiums n/a · 13 covered
EXCELLUS BLUE CROSS BLUE SHIELD · dentalpremiums n/a · 12 covered
INDEPENDENT HEALTH ASSOCIATION · healthpremiums n/a · 20 covered
PAN-AMERICAN LIFE INSURANCE COMPANY · stop-losspremiums n/a · 1,483 covered
EMBLEM HEALTH · health hmopremiums n/a · 18 covered
HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC. · health drugpremiums n/a · 6 covered
LIFE INSURANCE COMPANY OF NORTH AMERICApremiums n/a · 4,567 covered
CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES('CIGNA') · dental hmopremiums n/a · 7,304 covered
KAISER FOUNDATION HEALTH PLAN, INC. · healthpremiums n/a · 79 covered
KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST · healthpremiums n/a · 94 covered
KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST · healthpremiums n/a · 152 covered
KAISER FOUNDATION HEALTH PLAN, INC. · healthpremiums n/a · 344 covered
KAISER FOUNDATION HEALTH PLAN, INC. · healthpremiums n/a · 44 covered
KAISER FOUNDATION HEALTH PLAN, INC. · healthpremiums n/a · 208 covered
Brokers & agents paid · 20258
FIDELITY HEALTH INS SVS, LLC$153,758
FIDELITY HEALTH INSURANCE SRVCS LLC$23,522
FIDELITY HEALTH INSURANCE SERVICES$231,449 · incl $1,000 fees
HUB HEARTLAND, LLC$8,970
LIFETIME BENEFIT SOLUTIONS, INC$5,782
FIDELITY HEALH INSURANCE$2,963
HUB INTERNATIONAL MIDWEST LIMITED$2,849 · incl $1 fees
HUB HEARTLAND LLC$1,126

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Source: DOL Form 5500 Schedule A, plan year 2025, EIN 522205403 · Verify on EFAST2 · Amounts are as reported by the plan sponsor.