Cullum Mechanical Construction, Inc.
Updated Filing received by DOL
Cullum Mechanical Construction, Inc., a construction employer in North Charleston, South Carolina, reported 207 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows 3 insurance contracts with no premium reported and $51,412 in broker commissions and fees. The plan is self-funded (the employer pays claims itself, with stop-loss coverage from Gerber Life Insurance Company). The Department of Labor received the filing on October 24, 2025, before the deadline.
Who was paid on Cullum Mechanical Construction, 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 Cullum Mechanical Construction, Inc. filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Brown & Brown · Spartanburg, SC | $42,482 | $8,930 | $51,412 | 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 |
|---|---|---|---|---|
| The Guardian Life Insurance Company of Americadental, vision, life, long-term disability, indemnity | 184 | — | $51,412 | — |
| Gerber Life Insurance Companystop-loss | 108 | — | — | — |
| Cullum Mechanical Constructioncoverage not coded | 255 | — | — | — |
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 Cullum Mechanical Construction, 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.
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 | 139 | 207 | +48.9% |
| Premiums filed | $0 | $0 | — |
| Broker commissions + fees | $71,764 | $51,412 | −28.4% |
| 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 |
|---|---|---|---|---|
| Cullum Mechanical Construction, Inc. Employee Benefits Plan#502 · insurance, general assets | April 30, 2025 | October 24, 2025 | before deadline | 207 |
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 Cullum Mechanical Construction, Inc. pay in health insurance broker commissions in 2024?
Cullum Mechanical Construction, Inc.'s 2024 Form 5500 reports $51,412 in broker commissions and fees across 3 insurance contracts ($42,482 in commissions, $8,930 in fees), with Brown & Brown receiving the largest share.
Is Cullum Mechanical Construction, Inc.'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 Gerber Life Insurance Company).
How does Cullum Mechanical Construction, Inc.'s broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Cullum Mechanical Construction, Inc. because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 200-499 participants that disclosed broker pay reported a median of $77,013.
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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.