Harbor Freight Tools USA, Inc.
Updated Filing received by DOL
Harbor Freight Tools USA, Inc., a retail — general merchandise, sporting goods employer in Calabasas, California, reported 27,983 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows 17 insurance contracts with no premium reported and $603,176 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on August 18, 2026, within the extension window.
Who was paid on Harbor Freight Tools USA, 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 Harbor Freight Tools USA, Inc. filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| HUB International · Riverside, CA | $297,923 | $305,253 | $603,176 | 7 |
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 |
|---|---|---|---|---|
| Arag Insurance Companycoverage not coded | 4,416 | — | $55,277 | — |
| Blue Cross of Californiahealth, prescription drug, HMO | 915 | — | — | — |
| Cigna Health and Life Insurance Company and Affiliatesdental, indemnity | 2,267 | — | — | — |
| Reliastar Life Insurance Companycoverage not coded · amount flagged as implausible, excluded | 13,135 | — | — | — |
| Continental American Insurance Companylife, short-term disability, long-term disability | 17,445 | — | $305,085 | — |
| Curalinc LLCcoverage not coded | 25,932 | — | — | — |
| Nationwidehealth, life, short-term disability, prescription drug | 1,050 | — | $110,709 | — |
| Ameritasdental, vision | 1,069 | — | $63,548 | — |
| Crum & Forstercoverage not coded | 1,050 | — | $4,414 | — |
| Cigna Health and Life Insurance Companyhealth, prescription drug | 1 | — | $1,786 | — |
| Kaiser Foundation Health Plan of Coloradohealth, prescription drug, HMO | 19 | — | — | — |
| Kaiser Foundation Health Plan of Georgia, Inc.health, prescription drug, HMO | 37 | — | — | — |
| Kaiser Foundation Health Plan of the Mid-Atlantic States, Inc.health, prescription drug, HMO | 23 | — | — | — |
| Kaiser Foundation Health Plan of the Northwesthealth, prescription drug, HMO | 37 | — | — | — |
| Kaiser Foundation Health Plan of Washingtonhealth, prescription drug, HMO | 58 | — | — | — |
| Kaiser Foundation Health Plan, Inc.health, prescription drug, HMO | 1,138 | — | — | — |
| Provident Life and Accident Insurance Companylong-term disability | 114 | — | $62,357 | — |
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 Harbor Freight Tools USA, 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
| 2024 | 2025 | Change | |
|---|---|---|---|
| Participants | 23,614 | 27,983 | +18.5% |
| Premiums filed | $0 | $0 | not comparable |
| Broker commissions + fees | $420,661 | $603,176 | +43.4% |
| 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 |
|---|---|---|---|---|
| Harbor Freight Tools Employee Welfare Plan#501 · insurance, general assets | December 31, 2025 | August 18, 2026 | within extension | 27,983 |
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 Harbor Freight Tools USA, Inc. pay in health insurance broker commissions in 2025?
Harbor Freight Tools USA, Inc.'s 2025 Form 5500 reports $603,176 in broker commissions and fees across 17 insurance contracts ($297,923 in commissions, $305,253 in fees), with HUB International receiving the largest share.
Is Harbor Freight Tools USA, Inc.'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 Blue Cross of California, Nationwide, Cigna Health and Life Insurance Company.
How does Harbor Freight Tools USA, Inc.'s broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Harbor Freight Tools USA, 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.