Kershaw Fruit and Cold Storage, Inc.
Updated Filing received by DOL
Kershaw Fruit and Cold Storage, Inc., a transportation — warehousing employer in Yakima, Washington, reported 516 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows 2 insurance contracts with no premium reported and $5,376 in broker commissions and fees. The plan is self-funded (the employer pays claims itself). The Department of Labor received the filing on August 18, 2025, before the deadline.
Who was paid on Kershaw Fruit and Cold Storage, 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 Kershaw Fruit and Cold Storage, Inc. filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| HUB International · Bothell, WA | $4,345 | $1,031 | $5,376 | 2 |
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 |
|---|---|---|---|---|
| Vision Service Planvision | 90 | — | $809 | — |
| Symetra Life Insurance Companylife | 628 | — | $4,567 | — |
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 Kershaw Fruit and Cold Storage, 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 | 138 | 516 | +273.9% |
| Premiums filed | $0 | $0 | — |
| Broker commissions + fees | $7,175 | $5,376 | −25.1% |
| 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 |
|---|---|---|---|---|
| Kershaw Fruit and Cold Storage Welfare Benefits Plan#501 · insurance, general assets | March 31, 2025 | August 18, 2025 | before deadline | 516 |
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 Kershaw Fruit and Cold Storage, Inc. pay in health insurance broker commissions in 2024?
Kershaw Fruit and Cold Storage, Inc.'s 2024 Form 5500 reports $5,376 in broker commissions and fees across 2 insurance contracts ($4,345 in commissions, $1,031 in fees), with HUB International receiving the largest share.
Is Kershaw Fruit and Cold Storage, 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 Kershaw Fruit and Cold Storage, Inc.'s broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Kershaw Fruit and Cold Storage, Inc. 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.