Frankcrum 11, Inc.
Updated Filing received by DOL
Frankcrum 11, Inc., an administrative & support services employer in Clearwater, Florida, reported 5,185 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows 10 insurance contracts with no premium reported and $466,488 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on October 10, 2025, within the extension window.
Who was paid on Frankcrum 11, 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 Frankcrum 11, Inc. filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Frankcrum Insurance Agency Inc · Clearwater, FL | $457,758 | $7,905 | $465,663 | 8 |
| Jan Hamby Aldamuy · Bradenton, FL | $124 | $0 | $124 | 1 |
| John B Robinson · Estero, FL | $120 | $0 | $120 | 1 |
| Humbert Aldamuy JR · Odessa, FL | $93 | $0 | $93 | 1 |
| Macko Mark · Oceanside, CA | $77 | $0 | $77 | 1 |
| Lee Stewart Hoffman · Tampa, FL | $60 | $0 | $60 | 1 |
| David K Mobley · Jacksonville, FL | $38 | $0 | $38 | 1 |
| Jamie Carlone Leesman · Tampa, FL | $36 | $0 | $36 | 1 |
| Karen D Shattuck · Spartanburg, SC | $30 | $0 | $30 | 1 |
| Graves Inc · Homosassa, FL | $26 | $0 | $26 | 1 |
| Nora M Folkers · Bradenton, FL | $25 | $0 | $25 | 1 |
| Enrollment First · Knoxville, TN | $23 | $0 | $23 | 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 |
|---|---|---|---|---|
| Aflacvision, life, short-term disability, long-term disability, indemnity | 11 | — | $720 | — |
| Aetna Life Insurance Cohealth | 11,595 | — | $316,009 | — |
| Metropolitan Life Insurance Companydental, vision, life, short-term disability, long-term disability · amount flagged as implausible, excluded | 9,188 | — | — | — |
| Safeguard Health Plans Inc, a Florida Corporationdental, HMO | 995 | — | $31,669 | — |
| Safeguard Health Plans Inc, a California Corporationdental, HMO | 18 | — | $381 | — |
| Safeguard Health Plans Inc, a Texas Corporationdental, HMO | 447 | — | $12,402 | — |
| American Heritage Life Insurance Companylife | 11 | — | $165 | — |
| Metropolitan Life Insurance Companyhealth | 645 | — | $44,559 | — |
| Metropolitan Life Insurance Companyhealth | 998 | — | $25,299 | — |
| Metropolitan Life Insurance Companyhealth | 2,017 | — | $35,284 | — |
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 Frankcrum 11, 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 | 4,819 | 5,185 | +7.6% |
| Premiums filed | $0 | $0 | not comparable |
| Broker commissions + fees | $808,865 | $466,488 | −42.3% |
| 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 |
|---|---|---|---|---|
| Frankcrum Welfare Benefit Plan#501 · insurance, general assets | December 31, 2024 | October 10, 2025 | within extension | 5,185 |
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 Frankcrum 11, Inc. pay in health insurance broker commissions in 2024?
Frankcrum 11, Inc.'s 2024 Form 5500 reports $466,488 in broker commissions and fees across 10 insurance contracts ($458,583 in commissions, $7,905 in fees), with Frankcrum Insurance Agency Inc receiving the largest share.
Is Frankcrum 11, 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 Aetna Life Insurance Co, Metropolitan Life Insurance Company.
How does Frankcrum 11, Inc.'s broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Frankcrum 11, Inc. because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 5,000+ participants that disclosed broker pay reported a median of $458,262.
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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.