Foreland Transportation
Updated Filing received by DOL
Foreland Transportation, a transportation — truck & rail employer in Woods Cross, Utah, reported 103 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows 4 insurance contracts with no premium reported and $24,335 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on September 16, 2025, before the deadline.
Who was paid on Foreland Transportation's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Foreland Transportation filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| PCF Ins SVCS of the West · Bountiful, UT | $3,928 | $1,649 | $5,577 | 2 |
| Big Benefits · Woods Cross, UT | $5,101 | $0 | $5,101 | 1 |
| PCF Insurance Services dba Big Bene · Layton, UT | $3,696 | $0 | $3,696 | 1 |
| Paragon Partners LTD · Scottsdale, AZ | $2,381 | $980 | $3,361 | 2 |
| PCF Insurance Services of the West · Woods Cross, UT | $2,636 | $53 | $2,689 | 1 |
| Amwins Group Benefits, LLC · North Kingstown, RI | $0 | $2,659 | $2,659 | 1 |
| Webtpa · Irving, TX | $0 | $1,252 | $1,252 | 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 |
|---|---|---|---|---|
| Principal Life Insurance Companylife | 212 | — | $5,318 | — |
| The Lincoln National Life Insurance Companylong-term disability | 93 | — | $3,928 | — |
| Transamerica Life Insurance Companyhealth, HMO | 23 | — | $11,393 | — |
| Renaissance Life & Health Insurance Company of Americadental, vision | 80 | — | $3,696 | — |
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 Foreland Transportation 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.
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 |
|---|---|---|---|---|
| Foreland Transportation Health & Welfare Benefit Plan#501 · insurance, general assets | March 31, 2025 | September 16, 2025 | before deadline | 103 |
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 Foreland Transportation pay in health insurance broker commissions in 2024?
Foreland Transportation's 2024 Form 5500 reports $24,335 in broker commissions and fees across 4 insurance contracts ($17,742 in commissions, $6,593 in fees), with PCF Ins SVCS of the West receiving the largest share.
Is Foreland Transportation'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 Transamerica Life Insurance Company.
How does Foreland Transportation's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Foreland Transportation because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 100-199 participants that disclosed broker pay reported a median of $53,852.
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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.