Habemco, LLC
Updated Filing received by DOL
Habemco, LLC, a public administration employer in Upper Lake, California, reported 268 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows $2.1M in insurance premiums across 10 contracts and $116,972 in broker commissions and fees, 4.5% 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 an amended filing on July 31, 2026; the original filing date is not in the public dataset.
Who was paid on Habemco, LLC's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Habemco, LLC filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Lockton · Kansas City, MO | $115,141 | $1,831 | $116,972 | 9 |
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 |
|---|---|---|---|---|
| Blue Cross Blue Shield of Kansas Cityhealth | 199 | $2.1M | $94,243 | 4.5% |
| Vision Service Planvision | 161 | — | $1,492 | — |
| New Directions Behavioral Healthcoverage not coded | 229 | — | — | — |
| Delta Dental of Kansas, Inc.dental | 139 | — | $2,850 | — |
| Life Insurance Company of North Americalong-term disability | 119 | — | $5,651 | — |
| Life Insurance Company of North Americalife | 156 | — | $2,562 | — |
| Life Insurance Company of North Americalife | 262 | — | $4,537 | — |
| Life Insurance Company of North Americacoverage not coded | 156 | — | $857 | — |
| Life Insurance Company of North Americacoverage not coded | 156 | — | $710 | — |
| Life Insurance Company of North Americashort-term disability | 56 | — | $4,070 | — |
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 Habemco, LLC 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: $10,513 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 | 300 | 268 | −10.7% |
| Premiums filed | $0 | $2,092,069 | — |
| Broker commissions + fees | $96,880 | $116,972 | +20.7% |
| Commission rate | — | 4.5% | — |
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 |
|---|---|---|---|---|
| Habemco, LLC Employee Benefits Plan#501 · amended · insurance, general assets | December 31, 2024 | July 31, 2026 | amended filing; original date not in data | 268 |
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 Habemco, LLC pay in health insurance broker commissions in 2024?
Habemco, LLC's 2024 Form 5500 reports $116,972 in broker commissions and fees across 10 insurance contracts ($115,141 in commissions, $1,831 in fees), with Lockton receiving the largest share.
Is Habemco, LLC'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 Blue Cross Blue Shield of Kansas City.
How does Habemco, LLC's broker compensation compare with similar employers?
Habemco, LLC paid 4.5% of medical premium in commissions and fees. The median for employers with 200-499 participants is 3.6%, and the median in California is 4.0%. 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.