Bluefield Cycles, Inc. dba Cole Harley Davidson
Updated Filing received by DOL
Bluefield Cycles, Inc. dba Cole Harley Davidson, a retail — stores, food, auto, clothing employer in Bluefield, West Virginia, reported 159 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows 10 insurance contracts with no premium reported and $21,294 in broker commissions and fees. The plan is self-funded (the employer pays claims itself, with stop-loss coverage from Berkley Accident and Health). The Department of Labor received the filing on July 15, 2026, before the deadline.
Who was paid on Bluefield Cycles, Inc. dba Cole Harley Davidson's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Bluefield Cycles, Inc. dba Cole Harley Davidson filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Hilb Group of Maryland · Leesburg, VA | $19,555 | $522 | $20,077 | 9 |
| Bradley W Gramm · Glenn Allen, VA | $1,181 | $0 | $1,181 | 1 |
| Riggs Counselman Michaels & Downes · Hunt Valley, MD | $36 | $0 | $36 | 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 Lincoln National Life Insurance Companydental | 94 | — | $4,597 | — |
| The Lincoln National Life Insurance Companylife | 47 | — | $4,304 | — |
| The Lincoln National Life Insurance Companyvision | 75 | — | $869 | — |
| The Lincoln National Life Insurance Companycoverage not coded | 35 | — | $1,352 | — |
| The Lincoln National Life Insurance Companycoverage not coded | 14 | — | $1,185 | — |
| The Lincoln National Life Insurance Companyshort-term disability | 35 | — | $5,229 | — |
| Berkley Accident and Healthstop-loss | 109 | — | — | — |
| The Lincoln National Life Insurance Companylife | 157 | — | $670 | — |
| Massachusetts Mutual Life Insurance Companylife | 24 | — | $2,958 | — |
| Pre-Paid Legal Services Inc. dba Legalshieldcoverage not coded | 10 | — | $130 | — |
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 Bluefield Cycles, Inc. dba Cole Harley Davidson 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 | 135 | 159 | +17.8% |
| Premiums filed | $0 | $0 | — |
| Broker commissions + fees | $23,460 | $21,294 | −9.2% |
| 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 |
|---|---|---|---|---|
| Bluefield Cycles, Inc. dba Cole Harley Davidson Welfare Benefit Plan#505 · insurance, general assets | December 31, 2025 | July 15, 2026 | before deadline | 159 |
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 Bluefield Cycles, Inc. dba Cole Harley Davidson pay in health insurance broker commissions in 2025?
Bluefield Cycles, Inc. dba Cole Harley Davidson's 2025 Form 5500 reports $21,294 in broker commissions and fees across 10 insurance contracts ($20,772 in commissions, $522 in fees), with Hilb Group of Maryland receiving the largest share.
Is Bluefield Cycles, Inc. dba Cole Harley Davidson'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 Berkley Accident and Health).
How does Bluefield Cycles, Inc. dba Cole Harley Davidson's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Bluefield Cycles, Inc. dba Cole Harley Davidson because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 100-199 participants that disclosed broker pay reported a median of $53,852.
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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.