KBP Northstar, LLC
Updated Filing received by DOL
KBP Northstar, LLC, a wholesale trade employer in ST Cloud, Minnesota, reported 246 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows 5 insurance contracts with no premium reported and $70,659 in broker commissions and fees. The plan is fully insured (an insurance carrier pays claims). The Department of Labor received the filing on March 7, 2025, 7 days after the base deadline with no extension indicated on the form.
Who was paid on KBP Northstar, 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 KBP Northstar, LLC filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Hays Companies · Minneapolis, MN | $33,315 | $4,376 | $37,691 | 6 |
| Brown & Brown · Minneapolis, MN | $25,150 | $1,412 | $26,562 | 3 |
| Marc A. Grove · Rogers, MN | $643 | $1,102 | $1,745 | 1 |
| North Risk Partners, LLC · Saint Cloud, MN | $1,619 | $0 | $1,619 | 1 |
| Jacqueline Barthelemy · Royalton, MN | $975 | $29 | $1,004 | 1 |
| Andrew Jamin Grimsley · Saint Cloud, MN | $891 | $0 | $891 | 1 |
| Ashley Maria Houtman · Mound, MN | $678 | $47 | $725 | 1 |
| Meghan Moffatt Lucas · Victoria, MN | $122 | $0 | $122 | 1 |
| Elizabeth Marie Langevin · Rush City, MN | $122 | $0 | $122 | 1 |
| Jill R Lambert · Blaine, MN | $106 | $0 | $106 | 1 |
| Robert Scott Bruner · New Prague, MN | $35 | $37 | $72 | 1 |
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 |
|---|---|---|---|---|
| Medica Insurance Companyhealth | 280 | — | $42,989 | — |
| Delta Dental of Minnesotadental | 230 | — | $7,321 | — |
| Eyemed Vision Care on Behalf of Fidelity Security Life Insurance Co.vision | 159 | — | $975 | — |
| Colonial Life & Accident Insurance Companyhealth, life, short-term disability | 97 | — | $9,369 | — |
| United of Omaha Life Insurance Companylife, long-term disability | 409 | — | $10,005 | — |
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 KBP Northstar, 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.
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.
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 |
|---|---|---|---|---|
| Simonson Properties#501 · final filing · insurance | July 31, 2024 | March 7, 2025 | 7 days after deadline, no extension indicated | 246 |
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 KBP Northstar, LLC pay in health insurance broker commissions in 2024?
KBP Northstar, LLC's 2024 Form 5500 reports $70,659 in broker commissions and fees across 5 insurance contracts ($63,656 in commissions, $7,003 in fees), with Hays Companies receiving the largest share.
Is KBP Northstar, LLC's health plan self-funded or fully insured?
The 2024 filing indicates the plan is fully insured (an insurance carrier pays claims). Medical coverage is written by Medica Insurance Company, Colonial Life & Accident Insurance Company.
How does KBP Northstar, LLC's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for KBP Northstar, LLC because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 200-499 participants that disclosed broker pay reported a median of $77,013.
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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.