Kirkland's, Inc.
Updated Filing received by DOL a plan year 2025 filing was received April 8, 2026 for 1 of this employer's 2 plans; this record moves to 2025 when all have arrived
Kirkland's, Inc., a retail — general merchandise, sporting goods employer in Brentwood, Tennessee, reported 837 participants in its health and welfare plans for plan year 2024. Its Form 5500 shows 7 insurance contracts with no premium reported and $99,420 in broker commissions and fees. The plan is self-funded (the employer pays claims itself). The Department of Labor received the filing on March 23, 2026, before the deadline.
Who was paid on Kirkland'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 Kirkland's, Inc. filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Willis Towers Watson · New York, NY | $72,917 | $7,152 | $80,069 | 15 |
| Bswift · Chicago, IL | $11,306 | $3,045 | $14,351 | 4 |
| Kirklands, Inc. · Brentwood, TN | $0 | $5,000 | $5,000 | 3 |
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 |
|---|---|---|---|---|
| Life Insurance Company of North Americacoverage not coded | 751 | — | $3,931 | — |
| Life Insurance Company of North Americalong-term disability | 751 | — | $24,546 | — |
| Life Insurance Company of North Americalife | 751 | — | $41,194 | — |
| Cigna Health and Life Insurance Companycoverage not coded | 312 | — | $7,600 | — |
| Cigna Health and Life Insurance Companycoverage not coded | 250 | — | $11,717 | — |
| Cigna Health and Life Insurance Companycoverage not coded | 229 | — | $10,432 | — |
| Eyemed Vision Care on Behalf of Fidelity Security Life Insurance Co.vision | 818 | — | — | — |
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 Kirkland'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.
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 | 884 | 837 | −5.3% |
| Premiums filed | $0 | $0 | — |
| Broker commissions + fees | $98,097 | $99,420 | +1.3% |
| 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 |
|---|---|---|---|---|
| Kirklands Inc. Employee Benefit Plan#507 · insurance, general assets | August 31, 2025 | March 23, 2026 | before deadline | 837 |
| Kirkland's Texas Injury Benefit Plan#506 · general assets | January 31, 2025 | March 25, 2025 | before deadline | 521 |
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 Kirkland's, Inc. pay in health insurance broker commissions in 2024?
Kirkland's, Inc.'s 2024 Form 5500 reports $99,420 in broker commissions and fees across 7 insurance contracts ($84,223 in commissions, $15,197 in fees), with Willis Towers Watson receiving the largest share.
Is Kirkland's, 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 Kirkland's, Inc.'s broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Kirkland's, 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.