Kelly Tractor Co.
Updated Filing received by DOL
Kelly Tractor Co., a retail — stores, food, auto, clothing employer in Miami, Florida, reported 655 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows 11 insurance contracts with no premium reported and $370,067 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on July 16, 2026, before the deadline.
Who was paid on Kelly Tractor Co.'s plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Kelly Tractor Co. filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Superior Trust Inc · Palmetto Bay, FL | $24,068 | $283,298 | $307,366 | 4 |
| Employer Benefits Consulting, LLC · Miami, FL | $41,557 | $0 | $41,557 | 5 |
| Cathryn C. Carnesella · Miami Beach, FL | $12,108 | $80 | $12,188 | 2 |
| Jim Cohen · Plantation, FL | $1,660 | $13 | $1,673 | 1 |
| Michael K Porter · Hollywood, FL | $1,423 | $13 | $1,436 | 2 |
| Richard Alan Seligson · Boca Raton, FL | $1,250 | $0 | $1,250 | 2 |
| Worldwide Benefits Inc. · Boca Raton, FL | $914 | $0 | $914 | 2 |
| Marco A. Erazo · Miramar, FL | $714 | $0 | $714 | 2 |
| G. Scott Cooke · Wilton Manors, FL | $425 | $0 | $425 | 2 |
| Franco Calvo · Hallandale Beach, FL | $424 | $0 | $424 | 1 |
| Cora Ivelsie Journey · Coral Springs, FL | $232 | $0 | $232 | 1 |
| Juan C Ferlini · New Braunfels, TX | $138 | $0 | $138 | 2 |
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 |
|---|---|---|---|---|
| Aflaccoverage not coded | 209 | — | $19,583 | — |
| Reliance Standard Life Insurance Companylife | 737 | — | $4,803 | — |
| Reliance Standard Life Insurance Companylife | 255 | — | $16,106 | — |
| Reliance Standard Life Insurance Companycoverage not coded | 254 | — | $1,269 | — |
| Reliance Standard Life Insurance Companyshort-term disability | 278 | — | $7,345 | — |
| Reliance Standard Life Insurance Companylong-term disability | 915 | — | $12,034 | — |
| Aflaccoverage not coded | 16 | — | $1,561 | — |
| Humana Insurance Companydental, vision, PPO | 425 | — | $10,815 | — |
| Cigna Health & Life Insurance Companyhealth, indemnity | 488 | — | $205,995 | — |
| Cigna Health & Life Insurance Companyhealth | 140 | — | $77,303 | — |
| Compbenefits Companydental, HMO | 221 | — | $13,253 | — |
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 Kelly Tractor Co. 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 | 613 | 655 | +6.9% |
| Premiums filed | $0 | $0 | not comparable |
| Broker commissions + fees | $339,418 | $370,067 | +9.0% |
| 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 |
|---|---|---|---|---|
| Kelly Tractor Co. Cafeteria Plan#505 · insurance, general assets | December 31, 2025 | July 16, 2026 | before deadline | 655 |
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 Kelly Tractor Co. pay in health insurance broker commissions in 2025?
Kelly Tractor Co.'s 2025 Form 5500 reports $370,067 in broker commissions and fees across 11 insurance contracts ($86,663 in commissions, $283,404 in fees), with Superior Trust Inc receiving the largest share.
Is Kelly Tractor Co.'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 Cigna Health & Life Insurance Company.
How does Kelly Tractor Co.'s broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Kelly Tractor Co. 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.