Kessler's, Inc.
Updated Filing received by DOL
Kessler's, Inc., a retail — stores, food, auto, clothing employer in Aberdeen, South Dakota, reported 142 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows $812,658 in insurance premiums across 5 contracts and $45,045 in broker commissions and fees. The plan is fully insured (an insurance carrier pays claims). The Department of Labor received an amended filing on March 12, 2026; the original filing date is not in the public dataset.
Who was paid on Kessler's, 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 Kessler's, Inc. filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| USI Insurance Services · Valhalla, NY | $41,974 | $2,736 | $44,710 | 5 |
| Margaret Miller and Other Agents · Vermillion, SD | $88 | $0 | $88 | 1 |
| Natalie Suzanne Fonville · Golden Valley, MN | $69 | $0 | $69 | 1 |
| Joseph Van de Rostyne · Aberdeen, SD | $56 | $0 | $56 | 1 |
| Gail Plummer · Fargo, ND | $34 | $0 | $34 | 1 |
| Marc A. Grove · Rogers, MN | $29 | $0 | $29 | 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 |
|---|---|---|---|---|
| Avera Health Plans, Inc.health, prescription drug, PPO | 128 | $812,658 | $28,775 | 3.5% |
| Vision Service Planvision | 77 | — | $1,726 | — |
| Principal Life Insurance Companylife, short-term disability, long-term disability | 133 | — | $10,512 | — |
| Colonial Life and Accident Insurance Companyhealth | 8 | — | $892 | — |
| Delta Dental of South Dakotadental | 146 | — | $3,140 | — |
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 Kessler's, 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.
Premium per covered person on medical contracts: $6,349 a year (national median $7,274).
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 | 149 | 142 | −4.7% |
| Premiums filed | $698,758 | $812,658 | not comparable |
| Broker commissions + fees | $45,432 | $45,045 | −0.9% |
| 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 |
|---|---|---|---|---|
| Kesslers, Inc. Employee Wrap Benefit Plan#504 · amended · insurance | April 30, 2025 | March 12, 2026 | amended filing; original date not in data | 142 |
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 Kessler's, Inc. pay in health insurance broker commissions in 2024?
Kessler's, Inc.'s 2024 Form 5500 reports $45,045 in broker commissions and fees across 5 insurance contracts ($42,309 in commissions, $2,736 in fees), with USI Insurance Services receiving the largest share.
Is Kessler's, Inc.'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 Avera Health Plans, Inc., Colonial Life and Accident Insurance Company.
How does Kessler's, Inc.'s broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Kessler's, 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.