Dura-Stress, Inc.
Updated Filing received by DOL
Dura-Stress, Inc., a construction employer in Leesburg, Florida, reported 159 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $1.3M in insurance premiums across 9 contracts and $135,665 in broker commissions and fees, 5.0% 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 April 16, 2026, before the deadline.
Who was paid on Dura-Stress, 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 Dura-Stress, Inc. filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| NFP · Orlando, NC | $111,048 | $11,111 | $122,159 | 16 |
| James R Nelligan & Associates LLC · Wall Township, NJ | $0 | $13,506 | $13,506 | 6 |
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 |
|---|---|---|---|---|
| Health Options, Inc.health, prescription drug, HMO | 117 | $1.0M | $51,029 | 5.0% |
| Blue Cross Blue Sheild of Floridahealth, prescription drug, PPO | 23 | $258,197 | $12,910 | 5.0% |
| The Lincoln National Life Insurance Companydental | 151 | — | $17,460 | — |
| The Lincoln National Life Insurance Companyshort-term disability | 73 | — | $12,138 | — |
| The Lincoln National Life Insurance Companyvision | 132 | — | $1,587 | — |
| The Lincoln National Life Insurance Companycoverage not coded | 95 | — | $7,110 | — |
| The Lincoln National Life Insurancelife | 163 | — | $21,745 | — |
| The Lincoln National Life Insurance Companylife | 242 | — | $7,482 | — |
| The Lincoln National Life Insurance Companycoverage not coded | 70 | — | $4,204 | — |
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 Dura-Stress, 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: $9,134 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
| 2024 | 2025 | Change | |
|---|---|---|---|
| Participants | 238 | 159 | −33.2% |
| Premiums filed | $0 | $1,278,783 | — |
| Broker commissions + fees | $146,623 | $135,665 | −7.5% |
| Commission rate | — | 5.0% | — |
Source: DOL Form 5500 filings for plan years 2024 and 2025.
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 |
|---|---|---|---|---|
| Dura-Stress, Inc. Health and Welfare Plan#501 · insurance, general assets | December 31, 2025 | April 16, 2026 | before deadline | 159 |
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 Dura-Stress, Inc. pay in health insurance broker commissions in 2025?
Dura-Stress, Inc.'s 2025 Form 5500 reports $135,665 in broker commissions and fees across 9 insurance contracts ($111,048 in commissions, $24,617 in fees), with NFP receiving the largest share.
Is Dura-Stress, Inc.'s health plan self-funded or fully insured?
The 2025 filing indicates the plan is a mix of insured and self-funded coverage. Medical coverage is written by Health Options, Inc., Blue Cross Blue Sheild of Florida.
How does Dura-Stress, Inc.'s broker compensation compare with similar employers?
Dura-Stress, Inc. paid 5.0% of medical premium in commissions and fees. The median for employers with 100-199 participants is 4.2%, and the median in Florida is 4.6%. 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.