Big-D Capital Corp
Updated Filing received by DOL
Big-D Capital Corp, a construction employer in Salt Lake City, Utah, reported 982 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows $1.2M in insurance premiums across 7 contracts and $215,039 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on October 9, 2025, within the extension window.
Who was paid on Big-D Capital Corp's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Big-D Capital Corp filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Moreton and Company · Salt Lake City, UT | $85,849 | $0 | $85,849 | 5 |
| Gallagher · Midvale, UT | $74,535 | $0 | $74,535 | 5 |
| Voluntary Benefits Sol LLC · Sandy, UT | $49,156 | $0 | $49,156 | 2 |
| Arther J Gallagher & Co · Salt Lake City, UT | $3,078 | $0 | $3,078 | 1 |
| Fred a Moreton & Co · Salt Lake City, UT | $2,188 | $0 | $2,188 | 1 |
| David L Russell · Sandy, UT | $231 | $0 | $231 | 2 |
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 |
|---|---|---|---|---|
| Standard Insurance Companylife | 1,000 | $524,130 | $49,971 | 9.5% |
| Standard Insurance Companylong-term disability | 1,008 | $472,861 | $47,286 | 10.0% |
| Standard Insurance Companyshort-term disability | 492 | $249,460 | $24,946 | 10.0% |
| Berkley Life and Health Insurance Cohealth, stop-loss | 900 | — | — | — |
| American Heritage Life Insurance Companyshort-term disability | 432 | — | $44,267 | — |
| American Heritage Life Insurance Companyshort-term disability | 279 | — | $43,302 | — |
| Town & Country Life Insurance Companyvision | 741 | — | $5,267 | — |
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 Big-D Capital Corp 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 | 862 | 982 | +13.9% |
| Premiums filed | $971,844 | $1,246,451 | +28.3% |
| Broker commissions + fees | $156,373 | $215,039 | +37.5% |
| 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 |
|---|---|---|---|---|
| Flexible Benefits Plan of Big-D Construction Corporation#501 · insurance, general assets | December 31, 2024 | October 9, 2025 | within extension | 982 |
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 Big-D Capital Corp pay in health insurance broker commissions in 2024?
Big-D Capital Corp's 2024 Form 5500 reports $215,039 in broker commissions and fees across 7 insurance contracts ($215,039 in commissions, $0 in fees), with Moreton and Company receiving the largest share.
Is Big-D Capital Corp'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 Berkley Life and Health Insurance Co.
How does Big-D Capital Corp's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Big-D Capital Corp 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.