Aesseal, Inc.
Updated Filing received by DOL
Aesseal, Inc., a manufacturing — metal, equipment, transportation employer in Rockford, Tennessee, reported 157 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $1.8M in insurance premiums across 4 contracts and $123,943 in broker commissions and fees, 5.4% of medical premium against a national median of 3.8% among plans that paid commissions in plan year 2024. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on July 10, 2026, before the deadline.
Who was paid on Aesseal, 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 Aesseal, Inc. filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Ludovino Diaz · Nashville, TN | $47,970 | $0 | $47,970 | 1 |
| Rick Metzelder · Knoxville, TN | $42,467 | $0 | $42,467 | 1 |
| Willis Towers Watson · Chicago, IL | $17,138 | $2,052 | $19,190 | 5 |
| The Baldwin Group · Tampa, FL | $14,316 | $0 | $14,316 | 3 |
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 |
|---|---|---|---|---|
| Bluecross Blueshield of Tennessee, Inc.health, vision, prescription drug | 271 | $1.7M | $90,437 | 5.4% |
| Delta Dental of Tennesseedental | 277 | $96,961 | $9,606 | 9.9% |
| Allstatecoverage not coded | 64 | — | $2,555 | — |
| Life Insurance Company of North Americalife, short-term disability, long-term disability | 277 | — | $21,345 | — |
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 Aesseal, 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.
Premium per covered person on medical contracts: $6,141 a year (national median $7,274).
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 | 158 | 157 | −0.6% |
| Premiums filed | $1,753,016 | $1,761,109 | +0.5% |
| Broker commissions + fees | $111,943 | $123,943 | +10.7% |
| Commission rate | 5.0% | 5.4% | +0.4 pts |
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 |
|---|---|---|---|---|
| Aesseal, Inc. Benefit Plans#505 · insurance, general assets | December 31, 2025 | July 10, 2026 | before deadline | 157 |
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 Aesseal, Inc. pay in health insurance broker commissions in 2025?
Aesseal, Inc.'s 2025 Form 5500 reports $123,943 in broker commissions and fees across 4 insurance contracts ($121,891 in commissions, $2,052 in fees), with Ludovino Diaz receiving the largest share.
Is Aesseal, Inc.'s health plan self-funded or fully insured?
The 2025 filing indicates the plan is a mix of insured and self-funded coverage. Medical coverage is written by Bluecross Blueshield of Tennessee, Inc..
How does Aesseal, Inc.'s broker compensation compare with similar employers?
Aesseal, Inc. paid 5.4% of medical premium in commissions and fees. The median for employers with 100-199 participants is 4.2%, and the median in Tennessee is 3.9%. Percentages are computed only on fully insured medical contracts with filed premiums.
Send the full findings to your inbox.
A specialist writes up every finding for Aesseal, 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.