Futurefuel Chemical Company
Updated Filing received by DOL
Futurefuel Chemical Company, a manufacturing — chemical, wood, plastics employer in Batesville, Arkansas, reported 561 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $266,929 in insurance premiums across 5 contracts and $466,882 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received an amended filing on May 28, 2026; the original filing date is not in the public dataset.
Who was paid on Futurefuel Chemical Company's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Futurefuel Chemical Company filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| OneDigital · Atlanta, GA | $142,917 | $35,797 | $178,714 | 3 |
| Companion Life Insurance Company | $0 | $62,758 | $62,758 | 1 |
| Whitney Francis · Benton, AR | $4,285 | $1,207 | $5,492 | 1 |
| The Francis Group LLC · Benton, AR | $18 | $876 | $894 | 1 |
| Charles Don Schaef · Roland, AR | $18 | $6 | $24 | 1 |
| Harbison Benefit Consultants LLC · Pilot Knob, MO | $9 | $0 | $9 | 1 |
| Burton M Herring JR · Shorter, AL | $4 | $0 | $4 | 1 |
| Shannon Marie Baldwin · Bixby, OK | $2 | $1 | $3 | 1 |
| Debora Davis · Sheridan, AR | $2 | $0 | $2 | 1 |
| Gina Leigh Schaef · Roland, AR | $2 | $0 | $2 | 1 |
| Kelly W Pugh · Broken Arrow, OK | $0 | $0 | $0 | 1 |
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. Where Part I rows added up to more than the contract's Schedule A total, they were scaled down to that total. 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 |
|---|---|---|---|---|
| Delta Dental of Arkansasdental | 876 | $266,929 | $19,185 | 7.2% |
| Blueadvantage Administrators of Arkansashealth, stop-loss | 447 | — | $325,096 | — |
| Guardian Life Insurance Company of Americavision, life, long-term disability | 495 | — | $96,771 | — |
| Rxbenefits, Inc.prescription drug | 498 | — | $19,399 | — |
| Colonial Life & Accident Insurance Companycoverage not coded | 45 | — | $6,431 | — |
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 Futurefuel Chemical Company 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 | 526 | 561 | +6.7% |
| Premiums filed | $245,732 | $266,929 | not comparable |
| Broker commissions + fees | $19,253 | $466,882 | +2325.0% |
| 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 |
|---|---|---|---|---|
| Futurefuel Chemical Company Health and Welfare Plans#501 · amended · insurance, general assets | December 31, 2025 | May 28, 2026 | amended filing; original date not in data | 561 |
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 Futurefuel Chemical Company pay in health insurance broker commissions in 2025?
Futurefuel Chemical Company's 2025 Form 5500 reports $466,882 in broker commissions and fees across 5 insurance contracts ($66,000 in commissions, $400,882 in fees), with OneDigital receiving the largest share.
Is Futurefuel Chemical Company'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 Blueadvantage Administrators of Arkansas.
How does Futurefuel Chemical Company's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Futurefuel Chemical Company because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 500-999 participants that disclosed broker pay reported a median of $104,902.
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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.