Caf USA Inc
Updated Filing received by DOL
Caf USA Inc, a manufacturing — metal, equipment, transportation employer in Elmira Heights, New York, reported 133 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows $3.2M in insurance premiums across 5 contracts and $132,693 in broker commissions and fees, 3.1% of medical premium against a national median of 3.8% among plans that paid commissions in plan year 2024. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on May 6, 2025, before the deadline.
Who was paid on Caf USA Inc's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Caf USA Inc filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Valicenti Insurance Services · Elmira, NY | $95,183 | $0 | $95,183 | 3 |
| Emerson Reid LLC · Blue Bell, PA | $13,237 | $7,957 | $21,194 | 2 |
| Kafl Inc · Rochester, NY | $16,316 | $0 | $16,316 | 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 |
|---|---|---|---|---|
| Excellus Bluecross Blueshieldhealth, prescription drug | 127 | $2.8M | $84,641 | 3.1% |
| Sun Life and Health Insurance Companylife, short-term disability, long-term disability | 125 | $225,904 | $33,544 | 14.8% |
| Excellus Bluecross Blueshielddental | 126 | $163,918 | $8,476 | 5.2% |
| Sun Life and Health Insurance Companyshort-term disability, long-term disability | 110 | $47,853 | $3,966 | 8.3% |
| Excellus Blue Cross Blue Shieldvision | 128 | $18,932 | $2,066 | 10.9% |
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 Caf USA Inc 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.
Premium per covered person on medical contracts: $21,807 a year (national median $7,274).
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 | 231 | 133 | −42.4% |
| Premiums filed | $3,193,932 | $3,226,101 | +1.0% |
| Broker commissions + fees | $121,636 | $132,693 | +9.1% |
| Commission rate | 3.1% | 3.1% | −0.0 pts |
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 |
|---|---|---|---|---|
| Caf Benefit Plan#501 · insurance, general assets | December 31, 2024 | May 6, 2025 | before deadline | 133 |
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 Caf USA Inc pay in health insurance broker commissions in 2024?
Caf USA Inc's 2024 Form 5500 reports $132,693 in broker commissions and fees across 5 insurance contracts ($124,736 in commissions, $7,957 in fees), with Valicenti Insurance Services receiving the largest share.
Is Caf USA Inc'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 Excellus Bluecross Blueshield.
How does Caf USA Inc's broker compensation compare with similar employers?
Caf USA Inc paid 3.1% of medical premium in commissions and fees. The median for employers with 100-199 participants is 4.2%, and the median in New York is 3.7%. Percentages are computed only on fully insured medical contracts with filed premiums.
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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.