Group O, Inc.
Updated Filing received by DOL
Group O, Inc., a wholesale trade employer in Milan, Illinois, reported 862 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows $5.2M in insurance premiums across 4 contracts and $150,301 in broker commissions and fees, 1.3% of medical premium against a national median of 3.8% among plans that paid commissions in plan year 2024. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on September 18, 2025, within the extension window.
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 |
|---|---|---|---|---|
| Bluecross Blueshield of Illinoishealth, stop-loss | 722 | $5.2M | $65,377 | 1.3% |
| Dearborn Life Insurance Companylife, short-term disability, long-term disability | 754 | — | $59,406 | — |
| Bluecross Blueshield of Illinoisdental | 721 | — | $21,066 | — |
| Unitedhealthcare Insurance Companyvision | 719 | — | $4,452 | — |
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 Group O, 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.
Premium per covered person on medical contracts: $7,223 a year (national median $7,274).
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 | 578 | 862 | +49.1% |
| Premiums filed | $6,856,863 | $5,215,312 | −23.9% |
| Broker commissions + fees | $166,025 | $150,301 | −9.5% |
| Commission rate | 1.1% | 1.3% | +0.2 pts |
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 |
|---|---|---|---|---|
| Group O, Inc. Controlled Group Flex Ben Plan#502 · insurance, general assets | December 31, 2024 | September 18, 2025 | within extension | 862 |
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 Group O, Inc. pay in health insurance broker commissions in 2024?
Group O, Inc.'s 2024 Form 5500 reports $150,301 in broker commissions and fees across 4 insurance contracts ($142,711 in commissions, $7,590 in fees).
Is Group O, 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 Bluecross Blueshield of Illinois.
How does Group O, Inc.'s broker compensation compare with similar employers?
Group O, Inc. paid 1.3% of medical premium in commissions and fees. The median for employers with 500-999 participants is 2.7%, and the median in Illinois is 1.5%. Percentages are computed only on fully insured medical contracts with filed premiums.
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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.