California Custom Fruits & Flavors
Updated Filing received by DOL
California Custom Fruits & Flavors, a manufacturing — food & textile employer in Irwindale, California, reported 163 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows 2 insurance contracts with no premium reported and $96,138 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on December 23, 2025, before the deadline.
Who was paid on California Custom Fruits & Flavors's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract California Custom Fruits & Flavors filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Lockton · San Francisco, CA | $71,711 | $961 | $72,672 | 3 |
| Word & Brown Insurance Admin, Inc. · Orange, CA | $60 | $23,331 | $23,391 | 2 |
| Insurance Office of America, Inc. · Atlanta, GA | $0 | $323 | $323 | 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 |
|---|---|---|---|---|
| Blue Cross of Californiahealth, dental, vision, HMO, PPO, indemnity | 272 | — | $90,504 | — |
| Anthem Life Insurance Companylife, short-term disability, long-term disability | 169 | — | $5,634 | — |
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 California Custom Fruits & Flavors 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 | 236 | 163 | −30.9% |
| Premiums filed | $0 | $0 | not comparable |
| Broker commissions + fees | $83,800 | $96,138 | +14.7% |
| 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 |
|---|---|---|---|---|
| California Custom Fruits & Flavors Welfare Benefit Plan#501 · insurance, general assets | May 31, 2025 | December 23, 2025 | before deadline | 163 |
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 California Custom Fruits & Flavors pay in health insurance broker commissions in 2024?
California Custom Fruits & Flavors's 2024 Form 5500 reports $96,138 in broker commissions and fees across 2 insurance contracts ($71,524 in commissions, $24,614 in fees), with Lockton receiving the largest share.
Is California Custom Fruits & Flavors'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 Blue Cross of California.
How does California Custom Fruits & Flavors's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for California Custom Fruits & Flavors 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.