Golden State Orthopedics & Spine
Updated Filing received by DOL
Golden State Orthopedics & Spine, a healthcare & social assistance employer in Walnut Creek, California, reported 544 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows 4 insurance contracts with no premium reported and $30,200 in broker commissions and fees. The plan is self-funded (the employer pays claims itself). The Department of Labor received the filing on July 21, 2026, before the deadline.
Who was paid on Golden State Orthopedics & Spine's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Golden State Orthopedics & Spine filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| EPIC Insurance Brokers · Bend, OR | $20,932 | $4,999 | $25,931 | 6 |
| Mines Insurance Services Inc · Richmond, CA | $2,653 | $100 | $2,753 | 1 |
| Matthew Dominic Brown · Oakland, CA | $451 | $23 | $474 | 1 |
| Scott R Fenton · San Francisco, CA | $300 | $23 | $323 | 1 |
| Jonathan Daniel Payne · Chico, CA | $104 | $0 | $104 | 1 |
| Kristina J Kunz · San Francisco, CA | $102 | $0 | $102 | 1 |
| Chris Kelly · Santa Rosa, CA | $91 | $0 | $91 | 1 |
| Justin M Reynolds · Lakewood Ranch, FL | $58 | $0 | $58 | 1 |
| Matt Smith · San Francisco, CA | $56 | $0 | $56 | 1 |
| Allison Farris Wendelberger · Walnut Creek, CA | $50 | $0 | $50 | 1 |
| Jon P Bates JR · Vallejo, CA | $50 | $0 | $50 | 1 |
| Michael James Rhodd · Fairfield, CA | $49 | $0 | $49 | 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. 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 |
|---|---|---|---|---|
| United of Omaha Life Insurance Companylife | 558 | — | $2,023 | — |
| United of Omaha Life Insurance Companylong-term disability | 501 | — | $15,642 | — |
| Aflacshort-term disability | 44 | — | $6,400 | — |
| Sun Life Assurance Company of Canadavision | 334 | — | $6,135 | — |
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 Golden State Orthopedics & Spine 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 | 525 | 544 | +3.6% |
| Premiums filed | $0 | $0 | — |
| Broker commissions + fees | $158,400 | $30,200 | −80.9% |
| 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 |
|---|---|---|---|---|
| Golden State Orthopedics & Spine Life and Health Plan#502 · insurance, general assets | December 31, 2025 | July 21, 2026 | before deadline | 544 |
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 Golden State Orthopedics & Spine pay in health insurance broker commissions in 2025?
Golden State Orthopedics & Spine's 2025 Form 5500 reports $30,200 in broker commissions and fees across 4 insurance contracts ($25,055 in commissions, $5,145 in fees), with EPIC Insurance Brokers receiving the largest share.
Is Golden State Orthopedics & Spine's health plan self-funded or fully insured?
The 2025 filing indicates the plan is self-funded (the employer pays claims itself).
How does Golden State Orthopedics & Spine's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Golden State Orthopedics & Spine 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.