Kratos Defense & Security Solutions
Updated Filing received by DOL
Kratos Defense & Security Solutions, an information & publishing employer in San Diego, California, reported 3,037 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $6.5M in insurance premiums across 16 contracts and $994,467 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on July 9, 2026, before the deadline.
Who was paid on Kratos Defense & Security Solutions's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Kratos Defense & Security Solutions filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Mercer · Chicago, IL | $957,739 | $36,129 | $993,868 | 14 |
| Anthem Insurance Company, Inc. · Indianapolis, IN | $0 | $599 | $599 | 1 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2025, as published in EBSA's 2025 "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 |
|---|---|---|---|---|
| Blue Cross and Blue Shield of Alabamahealth, dental, prescription drug, PPO | 523 | $3.3M | $94,117 | 2.9% |
| Blue Cross Blue Shield of Floridahealth, prescription drug, HMO, PPO | 263 | $2.8M | $112,287 | 4.0% |
| Health Options, Inc.health, prescription drug, HMO | 36 | $371,624 | $14,865 | 4.0% |
| Four Ever Life Insurance Co.health, dental, prescription drug, PPO | 3 | — | $599 | — |
| Kaiser Foundation Health Plan Inchealth, HMO | 55 | — | $2,326 | — |
| Life Insurance Company of North Americashort-term disability | 3,220 | — | $98,369 | — |
| Life Insurance Company of North Americalong-term disability | 3,220 | — | $140,508 | — |
| Vision Service Planvision | 2,900 | — | — | — |
| Cigna Health and Life Insurance Company and Affiliateshealth, PPO, indemnity | 1,627 | — | $160,321 | — |
| Kaiser Foundation Health Plan, Inc.health, prescription drug, HMO | 578 | — | $23,147 | — |
| Life Insurance Company of North Americacoverage not coded | 3,220 | — | $24,999 | — |
| Life Insurance Company of North Americalife | 3,220 | — | $291,712 | — |
| Kaiser Foundation Health Plan of Coloradohealth, prescription drug, HMO | 118 | — | $4,149 | — |
| Pre-Paid Legal Services Inc dba Legalshieldcoverage not coded | 524 | — | $16,306 | — |
| Florida Combined Lifedental | 65 | — | $10,063 | — |
| Florida Combined Lifedental | 36 | — | $699 | — |
Source: DOL Form 5500 Schedule A, plan year 2025. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How Kratos Defense & Security Solutions 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: $7,879 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
| 2024 | 2025 | Change | |
|---|---|---|---|
| Participants | 2,770 | 3,037 | +9.6% |
| Premiums filed | $5,966,019 | $6,476,568 | not comparable |
| Broker commissions + fees | $926,577 | $994,467 | +7.3% |
| Commission rate | — | — | — |
Source: DOL Form 5500 filings for plan years 2024 and 2025.
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 |
|---|---|---|---|---|
| Kratos Defense & Security Solutions Health Benefit Plan#501 · insurance, general assets | December 31, 2025 | July 9, 2026 | before deadline | 3,037 |
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 Kratos Defense & Security Solutions pay in health insurance broker commissions in 2025?
Kratos Defense & Security Solutions's 2025 Form 5500 reports $994,467 in broker commissions and fees across 16 insurance contracts ($957,739 in commissions, $36,728 in fees), with Mercer receiving the largest share.
Is Kratos Defense & Security Solutions's health plan self-funded or fully insured?
The 2025 filing indicates the plan is a mix of insured and self-funded coverage. Medical coverage is written by Blue Cross and Blue Shield of Alabama, Blue Cross Blue Shield of Florida, Health Options, Inc..
How does Kratos Defense & Security Solutions's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Kratos Defense & Security Solutions because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 1,000-4,999 participants that disclosed broker pay reported a median of $168,579.
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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.