Cardinal Services, LLC
Updated Filing received by DOL
Cardinal Services, LLC, a manufacturing — chemical, wood, plastics employer in New Iberia, Louisiana, reported 177 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows 9 insurance contracts with no premium reported and $79,392 in broker commissions and fees. The plan is self-funded (the employer pays claims itself, with stop-loss coverage from Blue Cross and Blue Shield of Louisiana). The Department of Labor received the filing on October 15, 2025, before the deadline.
Who was paid on Cardinal Services, 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 Cardinal Services, LLC filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| HUB International · Metairie, LA | $40,995 | $1,078 | $42,073 | 11 |
| Dwight W. Andrus Ins Inc | $19,790 | $3,256 | $23,046 | 1 |
| Gis Benefits Inc · Morris, IL | $0 | $14,273 | $14,273 | 8 |
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 |
|---|---|---|---|---|
| The Licnoln National Life Insurance Companyvision | 140 | — | $2,456 | — |
| The Lincoln National Life Insurance Companylong-term disability | 176 | — | $5,710 | — |
| The Lincoln National Life Insurance Companylife | 177 | — | $3,429 | — |
| The Lincoln National Life Insurance Companylife | 88 | — | $11,553 | — |
| The Lincoln National Life Insurance Companycoverage not coded | 83 | — | $3,649 | — |
| The Lincoln National Life Insurance Companycoverage not coded | 36 | — | $2,787 | — |
| The Lincoln National Life Insurance Companyindemnity | 78 | — | $6,471 | — |
| The Lincoln Natational Life Insurance Companydental | 160 | — | $20,291 | — |
| Blue Cross and Blue Shield of Louisianaprescription drug, stop-loss | 157 | — | $23,046 | — |
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 Cardinal Services, 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 | 149 | 177 | +18.8% |
| Premiums filed | $0 | $0 | — |
| Broker commissions + fees | $59,039 | $79,392 | +34.5% |
| 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 |
|---|---|---|---|---|
| Cardinal Services, LLC Employee Benefits Plan#501 · insurance, general assets | May 31, 2025 | October 15, 2025 | before deadline | 177 |
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 Cardinal Services, LLC pay in health insurance broker commissions in 2024?
Cardinal Services, LLC's 2024 Form 5500 reports $79,392 in broker commissions and fees across 9 insurance contracts ($60,785 in commissions, $18,607 in fees), with HUB International receiving the largest share.
Is Cardinal Services, LLC's health plan self-funded or fully insured?
The 2024 filing indicates the plan is self-funded (the employer pays claims itself, with stop-loss coverage from Blue Cross and Blue Shield of Louisiana).
How does Cardinal Services, LLC's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Cardinal Services, LLC 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.