Kern, Inc.
Updated Filing received by DOL
Kern, Inc., a professional & technical services employer in Grove City, Ohio, reported 151 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows 4 insurance contracts with no premium reported and $26,979 in broker commissions and fees. The plan is self-funded (the employer pays claims itself). The Department of Labor received the filing on January 30, 2026, before the deadline.
Who was paid on Kern, 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 Kern, Inc. filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Asd Insurance & Financial Services · Dallas, TX | $14,464 | $0 | $14,464 | 1 |
| Gallagher · Rolling Meadows, IL | $8,504 | $0 | $8,504 | 2 |
| USI Insurance Services · Chicago, IL | $2,751 | $332 | $3,083 | 1 |
| Emerdon Rogers, LLC · Blue Bell, PA | $930 | $0 | $930 | 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 |
|---|---|---|---|---|
| American United Life Insurance Companylife, short-term disability, long-term disability | 148 | — | $14,464 | — |
| Vision Service Planvision | 669 | — | $8,502 | — |
| The Guardian Life Insurance Company of Americaindemnity | 16 | — | $4,013 | — |
| Anthem Life Insurance Companylife | 143 | — | — | — |
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 Kern, 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
| 2023 | 2024 | Change | |
|---|---|---|---|
| Participants | 156 | 151 | −3.2% |
| Premiums filed | $0 | $0 | — |
| Broker commissions + fees | $29,254 | $26,979 | −7.8% |
| Commission rate | — | — | — |
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 |
|---|---|---|---|---|
| Kern, Inc. Health and Welfare Plan#501 · insurance, general assets | October 31, 2025 | January 30, 2026 | before deadline | 151 |
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 Kern, Inc. pay in health insurance broker commissions in 2024?
Kern, Inc.'s 2024 Form 5500 reports $26,979 in broker commissions and fees across 4 insurance contracts ($26,647 in commissions, $332 in fees), with Asd Insurance & Financial Services receiving the largest share.
Is Kern, Inc.'s health plan self-funded or fully insured?
The 2024 filing indicates the plan is self-funded (the employer pays claims itself).
How does Kern, Inc.'s broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Kern, Inc. because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 100-199 participants that disclosed broker pay reported a median of $53,852.
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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.