Lawrence Automotive, Inc.
Updated Filing received by DOL
Lawrence Automotive, Inc., a retail — stores, food, auto, clothing employer in Hamilton, New Jersey, reported 187 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $13,350 in insurance premiums across 2 contracts and $85,405 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on September 18, 2026, within the extension window.
Who was paid on Lawrence Automotive, 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 Lawrence Automotive, Inc. filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Acrisure · Fairfield, NJ | $59,663 | $2,235 | $61,898 | 1 |
| Martin Insurance Services Inc · Cranbury, NJ | $21,070 | $0 | $21,070 | 1 |
| James R Nelligan & Assoc LLC · Wall, NJ | $1,769 | $668 | $2,437 | 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 |
|---|---|---|---|---|
| Hartford Life and Accidentlife, short-term disability, long-term disability | 180 | $13,350 | $2,437 | 18.3% |
| Aetna Life Insurance Cohealth, dental, vision | 154 | — | $82,968 | — |
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 Lawrence Automotive, 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 | 182 | 187 | +2.7% |
| Premiums filed | $994,850 | $13,350 | not comparable |
| Broker commissions + fees | $69,986 | $85,405 | +22.0% |
| Commission rate | 6.3% | — | — |
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 |
|---|---|---|---|---|
| Haldeman Auto Group Health and Welfare Plan#501 · insurance, general assets | December 31, 2025 | September 18, 2026 | within extension | 187 |
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 Lawrence Automotive, Inc. pay in health insurance broker commissions in 2025?
Lawrence Automotive, Inc.'s 2025 Form 5500 reports $85,405 in broker commissions and fees across 2 insurance contracts ($82,502 in commissions, $2,903 in fees), with Acrisure receiving the largest share.
Is Lawrence Automotive, Inc.'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 Aetna Life Insurance Co.
How does Lawrence Automotive, Inc.'s broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Lawrence Automotive, 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.