Laird Noller Ford, Inc
Updated Filing received by DOL
Laird Noller Ford, Inc, a retail — stores, food, auto, clothing employer in Topeka, Kansas, reported 427 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $1.1M in insurance premiums across 4 contracts and $139,691 in broker commissions and fees. The plan is self-funded (the employer pays claims itself, with stop-loss coverage from Blue Cross and Blue Shield of Kansas). The Department of Labor received the filing on July 16, 2026, before the deadline.
Who was paid on Laird Noller Ford, 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 Laird Noller Ford, Inc filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Watko Benefit Group · Overland Park, KS | $106,349 | $0 | $106,349 | 3 |
| OneDigital · Atlanta, GA | $9,265 | $448 | $9,713 | 2 |
| National Enrollment Partners, LLC · Richmond, VA | $3,224 | $4,399 | $7,623 | 2 |
| Robert Greg Watkins · Overland Park, KS | $3,997 | $0 | $3,997 | 2 |
| Leland Scott Burkhart · Lawrence, KS | $3,187 | $596 | $3,783 | 1 |
| Marilyn B Bowling · Lenexa, KS | $1,857 | $817 | $2,674 | 1 |
| Ron Bowling · Overland Park, KS | $2,178 | $375 | $2,553 | 1 |
| Lonnie Schultz · Overland Park, KS | $1,772 | $230 | $2,002 | 1 |
| Tamara Ann Buscher · Olathe, KS | $548 | $40 | $588 | 1 |
| Bridget Zuniga · Shawnee, KS | $299 | $53 | $352 | 1 |
| James Moore · Blue Springs, MO | $56 | $0 | $56 | 1 |
| Janelle Marie Wohletz · Denton, KS | $1 | $0 | $1 | 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 Kansasdental, stop-loss | 434 | $1.0M | $96,320 | 9.4% |
| Colonial Life & Accident Insurance Companyshort-term disability | 152 | $94,429 | $30,035 | 31.8% |
| United of Omaha Life Insurance Companylife, short-term disability | 110 | — | $10,551 | — |
| Metropolitan Life Insurance Companyvision | 491 | — | $2,785 | — |
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 Laird Noller Ford, 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
| 2024 | 2025 | Change | |
|---|---|---|---|
| Participants | 283 | 427 | +50.9% |
| Premiums filed | $984,537 | $1,123,701 | +14.1% |
| Broker commissions + fees | $110,411 | $139,691 | +26.5% |
| Commission rate | 9.6% | — | — |
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 |
|---|---|---|---|---|
| Noller Companies Employee Benefits Plan#501 · insurance | December 31, 2025 | July 16, 2026 | before deadline | 427 |
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 Laird Noller Ford, Inc pay in health insurance broker commissions in 2025?
Laird Noller Ford, Inc's 2025 Form 5500 reports $139,691 in broker commissions and fees across 4 insurance contracts ($132,733 in commissions, $6,958 in fees), with Watko Benefit Group receiving the largest share.
Is Laird Noller Ford, Inc's health plan self-funded or fully insured?
The 2025 filing indicates the plan is self-funded (the employer pays claims itself, with stop-loss coverage from Blue Cross and Blue Shield of Kansas).
How does Laird Noller Ford, Inc's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Laird Noller Ford, Inc because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 200-499 participants that disclosed broker pay reported a median of $77,013.
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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.