1a Auto, Inc.
Updated Filing received by DOL
1a Auto, Inc., a retail — stores, food, auto, clothing employer in Pepperell, Massachusetts, reported 465 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows 7 insurance contracts with no premium reported and $79,775 in broker commissions and fees. The plan is self-funded (the employer pays claims itself, with stop-loss coverage from The North River Insurance Company). The Department of Labor received the filing on June 29, 2026, before the deadline.
Who was paid on 1a Auto, 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 1a Auto, Inc. filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Hilb Group of New England · Cranston, RI | $72,704 | $6,493 | $79,197 | 6 |
| J King Insurance Inc. · East Greenwich, RI | $77 | $45 | $122 | 1 |
| Enrollment Solutions LTD. · Sutton, MA | $85 | $0 | $85 | 1 |
| Colgate Benefits · Grafton, MA | $83 | $0 | $83 | 1 |
| Stephen Corriveau · North Smithfield, RI | $78 | $0 | $78 | 1 |
| HP Planning LLC · Norwalk, CT | $73 | $0 | $73 | 1 |
| Kendra LYNN Morris · North Smithfield, RI | $37 | $0 | $37 | 1 |
| Karen Ann Coyle · Branford, CT | $33 | $3 | $36 | 1 |
| Roseann Reynolds · Branford, CT | $21 | $0 | $21 | 1 |
| Fleury Enterprises, Inc. · Tiverton, RI | $20 | $0 | $20 | 1 |
| Lonnie Schultz · Overland Parks, KS | $7 | $0 | $7 | 1 |
| Venessa N. Dean · San Juan, PR | $7 | $0 | $7 | 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 |
|---|---|---|---|---|
| The Guardian Life Insurance Company of Americadental, vision | 319 | — | $49,535 | — |
| Life Insurance Company of North Americalife | 374 | — | $5,376 | — |
| Life Insurance Company of North Americacoverage not coded | 374 | — | $1,028 | — |
| Life Insurance Company of North Americalong-term disability | 342 | — | $13,467 | — |
| Life Insurance Company of North Americashort-term disability | 342 | — | $9,040 | — |
| Colonial Life & Accident Insurance Companycoverage not coded | 14 | — | $1,329 | — |
| The North River Insurance Companystop-loss | 511 | — | — | — |
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 1a Auto, 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 | 363 | 465 | +28.1% |
| Premiums filed | $0 | $0 | — |
| Broker commissions + fees | $73,841 | $79,775 | +8.0% |
| 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 |
|---|---|---|---|---|
| 1a Auto, Inc. Health and Welfare Benefits Plan#501 · insurance, general assets | December 31, 2025 | June 29, 2026 | before deadline | 465 |
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 1a Auto, Inc. pay in health insurance broker commissions in 2025?
1a Auto, Inc.'s 2025 Form 5500 reports $79,775 in broker commissions and fees across 7 insurance contracts ($73,234 in commissions, $6,541 in fees), with Hilb Group of New England receiving the largest share.
Is 1a Auto, Inc.'s health plan self-funded or fully insured?
The 2025 filing indicates the plan is self-funded (the employer pays claims itself, with stop-loss coverage from The North River Insurance Company).
How does 1a Auto, Inc.'s broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for 1a Auto, Inc. 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.
Send the full findings to your inbox.
A specialist writes up every finding for 1a Auto, Inc. with the methodology and public-source citations, in a form you can forward to your CFO or counsel. Tick the box if you also want a 15-minute walkthrough call.
We don't sell your email. By submitting, you agree that BenefitsLedger and its benefits advisory partner, WellthCare, may email or call you about these findings. Opt out anytime by replying. See our privacy policy.
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.