Flynn Brothers Contracting
Updated Filing received by DOL
Flynn Brothers Contracting, a construction employer in Louisville, Kentucky, reported 209 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows 5 insurance contracts with no premium reported and $61,752 in broker commissions and fees. The plan is self-funded (the employer pays claims itself, with stop-loss coverage from Swiss Re-Swiss Re). The Department of Labor received the filing on July 15, 2026, before the deadline.
Who was paid on Flynn Brothers Contracting's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Flynn Brothers Contracting filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Foundation Risk Partners Corp · Louisville, KY | $46,375 | $6,908 | $53,283 | 4 |
| James Finn · Floyds Knob, IN | $4,290 | $0 | $4,290 | 2 |
| Jeffrey D Harned · Louisville, KY | $1,401 | $1,087 | $2,488 | 2 |
| William Jack Mitchell · North Platte, NE | $996 | $267 | $1,263 | 2 |
| RPM Benefit Advisors LLC · Big Springs, NE | $248 | $6 | $254 | 2 |
| Bilodeau Inc · Goshen, KY | $26 | $58 | $84 | 2 |
| Megan Goodman · New Albany, IN | $47 | $0 | $47 | 2 |
| RTR Ai Corp · Louisville, KY | $43 | $0 | $43 | 2 |
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 |
|---|---|---|---|---|
| Colonial Life & Accident Insurance Companyindemnity | 17 | — | $1,693 | — |
| Colonial Life & Accident Insurance Companyindemnity | 111 | — | $12,935 | — |
| Oneamericalife, short-term disability, long-term disability | 240 | — | $37,242 | — |
| Swiss Re-Swiss Restop-loss | 198 | — | — | — |
| Unitedhealthcare Insurance Companydental, vision | 339 | — | $9,882 | — |
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 Flynn Brothers Contracting 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
| 2024 | 2025 | Change | |
|---|---|---|---|
| Participants | 254 | 209 | −17.7% |
| Premiums filed | $0 | $0 | — |
| Broker commissions + fees | $49,573 | $61,752 | +24.6% |
| Commission rate | — | — | — |
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 |
|---|---|---|---|---|
| Flynn Brothers Contracting Flexible Benefit Plan#501 · insurance | December 31, 2025 | July 15, 2026 | before deadline | 209 |
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 Flynn Brothers Contracting pay in health insurance broker commissions in 2025?
Flynn Brothers Contracting's 2025 Form 5500 reports $61,752 in broker commissions and fees across 5 insurance contracts ($53,426 in commissions, $8,326 in fees), with Foundation Risk Partners Corp receiving the largest share.
Is Flynn Brothers Contracting's health plan self-funded or fully insured?
The 2025 filing indicates the plan is self-funded (the employer pays claims itself, with stop-loss coverage from Swiss Re-Swiss Re).
How does Flynn Brothers Contracting's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Flynn Brothers Contracting 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.