Atlas Navigators, LLC
Updated Filing received by DOL
Atlas Navigators, LLC, a professional & technical services employer in Colorado Springs, Colorado, reported 217 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows 6 insurance contracts with no premium reported and $142,928 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 8, 2026, before the deadline.
Who was paid on Atlas Navigators, LLC's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Atlas Navigators, LLC filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Black Gould & Associates Inc · Phoenix, AZ | $52,539 | $78,242 | $130,781 | 4 |
| Hershenberg & Stone-Walsh Insurance · Tempe, AZ | $3,405 | $0 | $3,405 | 2 |
| Atlas Risk Management Group LLC · Gilbert, AZ | $2,132 | $0 | $2,132 | 1 |
| Maryalyce Skree · Sun City West, AZ | $1,897 | $0 | $1,897 | 1 |
| Alexandra Jacobi · Cave Creek, AZ | $1,366 | $0 | $1,366 | 1 |
| Paragon Partners Limited · Scottsdale, AZ | $1,150 | $0 | $1,150 | 1 |
| David R Lattimar · Mesa, AZ | $525 | $0 | $525 | 1 |
| Anna K Baldwin · Myrtle Beach, SC | $492 | $0 | $492 | 1 |
| The Jacobi Group · Phoenix, AZ | $439 | $0 | $439 | 2 |
| Ryan Lyle Kadavy · Peoria, AZ | $251 | $0 | $251 | 1 |
| Keisha Breland · West Palm Beach, FL | $240 | $0 | $240 | 1 |
| Lance D Thorson · Watertown, SD | $111 | $0 | $111 | 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 Americalife, long-term disability | 217 | — | $17,239 | — |
| Transamerica Life Insurance Companylife | 42 | — | $4,347 | — |
| Unitedhealthcare Insurance Companyhealth | 149 | — | $105,146 | — |
| Continental American Insurance Companycoverage not coded | 52 | — | $7,800 | — |
| Unitedhealthcare Insurance Companydental | 133 | — | $6,163 | — |
| Unitedhealthcare Insurance Companyvision | 123 | — | $2,233 | — |
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 Atlas Navigators, LLC 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 | 447 | 217 | −51.5% |
| Premiums filed | $0 | $0 | not comparable |
| Broker commissions + fees | $151,489 | $142,928 | −5.7% |
| 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 |
|---|---|---|---|---|
| Atlas Navigators, LLC Health & Welfare Benefit Plan#501 · insurance, general assets | December 31, 2025 | July 8, 2026 | before deadline | 217 |
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 Atlas Navigators, LLC pay in health insurance broker commissions in 2025?
Atlas Navigators, LLC's 2025 Form 5500 reports $142,928 in broker commissions and fees across 6 insurance contracts ($64,686 in commissions, $78,242 in fees), with Black Gould & Associates Inc receiving the largest share.
Is Atlas Navigators, LLC'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 Unitedhealthcare Insurance Company.
How does Atlas Navigators, LLC's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Atlas Navigators, LLC 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.
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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.