20/20 Plumbing & Heating, Inc.
Updated Filing received by DOL
20/20 Plumbing & Heating, Inc., a construction employer in Riverside, California, reported 742 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows 9 insurance contracts with no premium reported and $757,940 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on February 9, 2026, before the deadline.
Who was paid on 20/20 Plumbing & Heating, 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 20/20 Plumbing & Heating, Inc. filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| OneDigital · Atlanta, GA | $325,554 | $8,494 | $334,048 | 9 |
| Voluntary Benefit Advisors · Santa Ana, CA | $318,313 | $0 | $318,313 | 5 |
| Gis Benefits Inc · Morris, IL | $38,131 | $13,956 | $52,087 | 7 |
| Boon Chapman Benefit Admin · Austin, TX | $0 | $29,381 | $29,381 | 5 |
| Boon Chapman Benefit Administrators · Austin, TX | $0 | $9,760 | $9,760 | 1 |
| Boon Chapman Benefit Administrator · Austin, TX | $0 | $9,163 | $9,163 | 1 |
| HUB International · Riverside, CA | $624 | $2,908 | $3,532 | 4 |
| Desso Forman · Clearwater, FL | $1,763 | $0 | $1,763 | 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 |
|---|---|---|---|---|
| Metropolitan Life Insurance Companyshort-term disability | 272 | — | $25,528 | — |
| Safeguard Health Plans, Inc.dental, HMO | 298 | — | $8,308 | — |
| Metropolitan Life Insurance Companyhealth | 571 | — | $45,947 | — |
| Metropolitan Life Insurance Companycoverage not coded | 344 | — | $77,196 | — |
| Metropolitan Life Insurance Companyhealth | 471 | — | $79,676 | — |
| Metropolitan Life Insurance Companydental, vision, life | 942 | — | $78,894 | — |
| Unitedhealthcare Insurance Companyhealth, prescription drug, HMO, PPO | 685 | — | $119,392 | — |
| Metropolitan Life Insurance Companylife | 302 | — | $301,772 | — |
| Health Plan of Nevadahealth, prescription drug, HMO | 56 | — | $21,227 | — |
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 20/20 Plumbing & Heating, 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
| 2023 | 2024 | Change | |
|---|---|---|---|
| Participants | 746 | 742 | −0.5% |
| Premiums filed | $0 | $0 | not comparable |
| Broker commissions + fees | $270,265 | $757,940 | +180.4% |
| 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 |
|---|---|---|---|---|
| 20/20 Plumbing & Heating, Inc. Welfare Benefits Plan#501 · insurance, general assets | July 31, 2025 | February 9, 2026 | before deadline | 742 |
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 20/20 Plumbing & Heating, Inc. pay in health insurance broker commissions in 2024?
20/20 Plumbing & Heating, Inc.'s 2024 Form 5500 reports $757,940 in broker commissions and fees across 9 insurance contracts ($684,278 in commissions, $73,662 in fees), with OneDigital receiving the largest share.
Is 20/20 Plumbing & Heating, 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 Metropolitan Life Insurance Company, Unitedhealthcare Insurance Company, Health Plan of Nevada.
How does 20/20 Plumbing & Heating, Inc.'s broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for 20/20 Plumbing & Heating, Inc. because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 500-999 participants that disclosed broker pay reported a median of $104,902.
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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.