Kirby Nagelhout Construction Co.
Updated Filing received by DOL
Kirby Nagelhout Construction Co., a construction employer in Bend, Oregon, reported 178 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows 4 insurance contracts with no premium reported and $77,595 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on March 2, 2026, before the deadline.
Who was paid on Kirby Nagelhout Construction 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 Kirby Nagelhout Construction Co. filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Robert Weeks · Portland, OR | $45,906 | $0 | $45,906 | 1 |
| IMA Financial · Springfield, OR | $13,863 | $6,763 | $20,626 | 1 |
| Kate Thomas Group, Inc. · Bend, OR | $5,026 | $184 | $5,210 | 1 |
| Watchtower Benefits, LLC · Chicago, IL | $3,070 | $0 | $3,070 | 1 |
| KPD Insurance · Springfield, OR | $1,518 | $0 | $1,518 | 1 |
| James S. Sarantis · Portland, OR | $665 | $33 | $698 | 1 |
| Philip Gregory Hetz and Others · Bend, OR | $189 | $0 | $189 | 1 |
| Gregory Scott Gannon · Bend, OR | $169 | $0 | $169 | 1 |
| Ryan George Kruit · Bend, OR | $128 | $0 | $128 | 1 |
| Richard J. Ross · Prineville, OR | $40 | $0 | $40 | 1 |
| James F. Tuor · Sun City West, AZ | $40 | $0 | $40 | 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 |
|---|---|---|---|---|
| Providence Health Planhealth, vision, prescription drug | 339 | — | $45,906 | — |
| The Guardian Life Insurance Company of Americadental, life, short-term disability, long-term disability | 189 | — | $23,696 | — |
| Aflaccoverage not coded | 20 | — | $6,475 | — |
| Medical Air Services Association, Inc.health, prescription drug | 62 | — | $1,518 | — |
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 Kirby Nagelhout Construction 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
| 2023 | 2024 | Change | |
|---|---|---|---|
| Participants | 120 | 178 | +48.3% |
| Premiums filed | $0 | $0 | not comparable |
| Broker commissions + fees | $81,318 | $77,595 | −4.6% |
| 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 |
|---|---|---|---|---|
| Kirby Nagelhout Construction Co. Health & Welfare Benefit Plan#501 · insurance, general assets | August 31, 2025 | March 2, 2026 | before deadline | 178 |
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 Kirby Nagelhout Construction Co. pay in health insurance broker commissions in 2024?
Kirby Nagelhout Construction Co.'s 2024 Form 5500 reports $77,595 in broker commissions and fees across 4 insurance contracts ($70,615 in commissions, $6,980 in fees), with Robert Weeks receiving the largest share.
Is Kirby Nagelhout Construction Co.'s health plan self-funded or fully insured?
The 2024 filing indicates the plan is a mix of insured and self-funded coverage. Medical coverage is written by Providence Health Plan, Medical Air Services Association, Inc..
How does Kirby Nagelhout Construction Co.'s broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Kirby Nagelhout Construction Co. 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.