Cavalier Logistics, Inc.
Updated Filing received by DOL
Cavalier Logistics, Inc., a transportation — truck & rail employer in Dulles, Virginia, reported 115 participants in its health and welfare plans for plan year 2025. Its Form 5500 shows $1.3M in insurance premiums across 3 contracts and $112,827 in broker commissions and fees, 6.4% of medical premium against a national median of 3.8% among plans that paid commissions in plan year 2024. The plan is fully insured (an insurance carrier pays claims). The Department of Labor received the filing on August 28, 2026, within the extension window.
Who was paid on Cavalier Logistics, 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 Cavalier Logistics, Inc. filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| OneDigital · Atlanta, GA | $12,515 | $88,669 | $101,184 | 4 |
| Gis Benefits, Inc. · Morris, IL | $7,813 | $1,591 | $9,404 | 1 |
| James T. Kinney · Warwick, RI | $2,239 | $0 | $2,239 | 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 |
|---|---|---|---|---|
| Cigna Health and Life Insurance Companyhealth, prescription drug | 129 | $1.3M | $85,930 | 6.4% |
| Metropolitan Life Insurance Companydental, vision, life, short-term disability, long-term disability | 273 | — | $22,726 | — |
| Transamerica Life Insurance Companycoverage not coded | 35 | — | $4,171 | — |
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 Cavalier Logistics, 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: $10,374 a year (national median $7,274).
Source: BenefitsLedger benchmarks from 58,547 employer health plans with 100 or more participants, plan year 2024. Methodology.
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 |
|---|---|---|---|---|
| Dental, Vision, Life and Vol LTD#502 · insurance | December 31, 2025 | August 28, 2026 | within extension | 115 |
| Medical#501 · insurance | December 31, 2025 | August 28, 2026 | within extension | 109 |
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 Cavalier Logistics, Inc. pay in health insurance broker commissions in 2025?
Cavalier Logistics, Inc.'s 2025 Form 5500 reports $112,827 in broker commissions and fees across 3 insurance contracts ($22,567 in commissions, $90,260 in fees), with OneDigital receiving the largest share.
Is Cavalier Logistics, Inc.'s health plan self-funded or fully insured?
The 2025 filing indicates the plan is fully insured (an insurance carrier pays claims). Medical coverage is written by Cigna Health and Life Insurance Company.
How does Cavalier Logistics, Inc.'s broker compensation compare with similar employers?
Cavalier Logistics, Inc. paid 6.4% of medical premium in commissions and fees. The median for employers with 100-199 participants is 4.2%, and the median in Virginia is 4.6%. Percentages are computed only on fully insured medical contracts with filed premiums.
Send the full findings to your inbox.
A specialist writes up every finding for Cavalier Logistics, Inc. with the methodology and public-source citations, in a form you can forward to your CFO or counsel. Tick the box if you also want a 15-minute walkthrough call.
We don't sell your email. By submitting, you agree that BenefitsLedger and its benefits advisory partner, WellthCare, may email or call you about these findings. Opt out anytime by replying. See our privacy policy.
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.