Bob's Discount Furniture, LLC
Updated Filing received by DOL
Bob's Discount Furniture, LLC, a retail — stores, food, auto, clothing employer in Manchester, Connecticut, reported 4,858 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows 11 insurance contracts with no premium reported and $248,799 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received an amended filing on December 17, 2025; the original filing date is not in the public dataset.
Who was paid on Bob's Discount Furniture, 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 Bob's Discount Furniture, LLC filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Brown & Brown · Dedham, MA | $180,819 | $17,305 | $198,124 | 8 |
| Ibenefit Communication, LLC · Charlotte, NC | $50,675 | $0 | $50,675 | 1 |
| Hays Companies · Minneapolis, MN | $0 | $0 | $0 | 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 |
|---|---|---|---|---|
| Reliance Standard Life Insurance Companylong-term disability | 4,358 | — | $79,422 | — |
| Reliance Standard Life Insurance Companylife | 4,229 | — | $55,767 | — |
| Reliance Standard Life Insurance Companyshort-term disability | 490 | — | $6,281 | — |
| Kaiser Foundation Health Plan Inchealth | 555 | — | — | — |
| Reliance Standard Life Insurance Companycoverage not coded | 482 | — | — | — |
| Reliastar Life Insurance Companyshort-term disability | 3,937 | — | $95,443 | — |
| Reliance Standard Life Insurance Companycoverage not coded | 308 | — | — | — |
| Metlife Legal Planscoverage not coded | 478 | — | $9,678 | — |
| Reliance Standard Life Insurance Companycoverage not coded | 4,149 | — | $2,208 | — |
| Compsych Corporationcoverage not coded | 5,008 | — | — | — |
| Reliance Standard Life Insurance Companyhealth, prescription drug | 36 | — | — | — |
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 Bob's Discount Furniture, 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
| 2023 | 2024 | Change | |
|---|---|---|---|
| Participants | 4,783 | 4,858 | +1.6% |
| Premiums filed | $0 | $0 | — |
| Broker commissions + fees | $377,674 | $248,799 | −34.1% |
| 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 |
|---|---|---|---|---|
| Bob's Discount Furniture, LLC Section 125 Plan#501 · amended · insurance, general assets | December 31, 2024 | December 17, 2025 | amended filing; original date not in data | 4,858 |
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 Bob's Discount Furniture, LLC pay in health insurance broker commissions in 2024?
Bob's Discount Furniture, LLC's 2024 Form 5500 reports $248,799 in broker commissions and fees across 11 insurance contracts ($231,494 in commissions, $17,305 in fees), with Brown & Brown receiving the largest share.
Is Bob's Discount Furniture, LLC'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 Kaiser Foundation Health Plan Inc, Reliance Standard Life Insurance Company.
How does Bob's Discount Furniture, LLC's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Bob's Discount Furniture, LLC because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 1,000-4,999 participants that disclosed broker pay reported a median of $168,579.
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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.