Brakefire Inc, dba Silco Fire & Security
Updated Filing received by DOL
Brakefire Inc, dba Silco Fire & Security, a wholesale trade employer in Cincinnati, Ohio, reported 442 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $277,812 in insurance premiums across 6 contracts and $48,822 in broker commissions and fees. The plan is self-funded (the employer pays claims itself). The Department of Labor received the filing on June 12, 2026, before the deadline.
Who was paid on Brakefire Inc, dba Silco Fire & Security's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Brakefire Inc, dba Silco Fire & Security filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Marsh McLennan Agency · Anchorage, AK | $46,237 | $1,133 | $47,370 | 8 |
| Susan Svarda Enterprises LLC · Carlisle, OH | $1,602 | $0 | $1,602 | 2 |
| Michael R Magoteaux · FT. Loramie, OH | $677 | $0 | $677 | 1 |
| Alexander Atlee Artman · Mars, PA | $1 | $0 | $1 | 1 |
| Dana Denise Lindsey · Dayton, OH | $0 | $0 | $0 | 1 |
| Gerald J Davis · Middletown, OH | $0 | $0 | $0 | 1 |
| Susan Eileen Svarda · Carlisle, OH | $0 | $0 | $0 | 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 |
|---|---|---|---|---|
| Standard Insurance Companyshort-term disability | 499 | $157,907 | $15,316 | 9.7% |
| Standard Insurance Companylong-term disability | 208 | $79,390 | $7,788 | 9.8% |
| Standard Insurance Companyvision | 262 | $27,824 | — | — |
| Standard Insurance Companylife | 501 | $12,691 | $13,926 | 109.7% |
| Continental American Insurance Companycoverage not coded | 153 | — | $2,803 | — |
| Community Insurance Companydental | 663 | — | $8,989 | — |
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 Brakefire Inc, dba Silco Fire & Security 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 | 394 | 442 | +12.2% |
| Premiums filed | $284,693 | $277,812 | −2.4% |
| Broker commissions + fees | $55,377 | $48,822 | −11.8% |
| 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 |
|---|---|---|---|---|
| Brakefire, Inc. dba Silco Fire & Security Employee Benefit Plan#501 · insurance, general assets | December 31, 2025 | June 12, 2026 | before deadline | 442 |
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 Brakefire Inc, dba Silco Fire & Security pay in health insurance broker commissions in 2025?
Brakefire Inc, dba Silco Fire & Security's 2025 Form 5500 reports $48,822 in broker commissions and fees across 6 insurance contracts ($47,689 in commissions, $1,133 in fees), with Marsh McLennan Agency receiving the largest share.
Is Brakefire Inc, dba Silco Fire & Security's health plan self-funded or fully insured?
The 2025 filing indicates the plan is self-funded (the employer pays claims itself).
How does Brakefire Inc, dba Silco Fire & Security's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Brakefire Inc, dba Silco Fire & Security 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.