Crest Discount Foods, Inc.
Updated Filing received by DOL
Crest Discount Foods, Inc., a retail — stores, food, auto, clothing employer in Edmond, Oklahoma, reported 630 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows $4.1M in insurance premiums across 7 contracts and $220,938 in broker commissions and fees, 2.5% 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 February 3, 2026, before the deadline.
Who was paid on Crest Discount Foods, 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 Crest Discount Foods, Inc. filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| NFP · Oklahoma City, OK | $196,412 | $19,551 | $215,963 | 13 |
| Hodges-Mace LLC · Chicago, IL | $0 | $4,975 | $4,975 | 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 |
|---|---|---|---|---|
| Bluecross Blueshield of Oklahomahealth | 674 | $4.1M | $102,286 | 2.5% |
| The Lincoln National Life Insurance Companycoverage not coded | 152 | — | $22,214 | — |
| The Lincoln National Life Insurance Companylong-term disability | 185 | — | $3,535 | — |
| The Lincoln National Life Insurance Companyshort-term disability | 371 | — | $51,489 | — |
| The Lincoln National Life Insurance Companylife | 666 | — | $7,937 | — |
| Ameritas Life Insurance Corpdental, vision | 1,311 | — | $32,813 | — |
| The Lincoln National Life Insurance Companylife | 230 | — | $664 | — |
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 Crest Discount Foods, 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: $6,156 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 | 678 | 630 | −7.1% |
| Premiums filed | $3,716,544 | $4,148,814 | +11.6% |
| Broker commissions + fees | $228,965 | $220,938 | −3.5% |
| Commission rate | 2.8% | 2.5% | −0.4 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 |
|---|---|---|---|---|
| Crest Discount Foods, Inc. Flexible Benefits Plan#501 · insurance, general assets | September 30, 2025 | February 3, 2026 | before deadline | 630 |
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 Crest Discount Foods, Inc. pay in health insurance broker commissions in 2024?
Crest Discount Foods, Inc.'s 2024 Form 5500 reports $220,938 in broker commissions and fees across 7 insurance contracts ($196,412 in commissions, $24,526 in fees), with NFP receiving the largest share.
Is Crest Discount Foods, 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 Bluecross Blueshield of Oklahoma.
How does Crest Discount Foods, Inc.'s broker compensation compare with similar employers?
Crest Discount Foods, Inc. paid 2.5% of medical premium in commissions and fees. The median for employers with 500-999 participants is 2.7%, and the median in Oklahoma is 1.6%. 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.