Lightforce USA Inc dba Nightforce Optics
Updated Filing received by DOL
Lightforce USA Inc dba Nightforce Optics, a wholesale trade employer in Orofino, Idaho, reported 183 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $1 in insurance premiums across 10 contracts and $92,540 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 21, 2026, before the deadline.
Who was paid on Lightforce USA Inc dba Nightforce Optics's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Lightforce USA Inc dba Nightforce Optics filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Shelli Stayner · Portland, OR | $19,712 | $0 | $19,712 | 6 |
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 |
|---|---|---|---|---|
| Delta Dental of Idahodental | 168 | $1 | $27,426 | — |
| Regence Blue Shield of Idahohealth | 166 | — | $44,901 | — |
| United Heritage Life Insurance Companycoverage not coded | 158 | — | $3,189 | — |
| United Heritage Life Insurance Companylife | 171 | — | $522 | — |
| National Union Fire Ins Co of Pittsburgh, PAcoverage not coded | 171 | — | $501 | — |
| United Heritage Life Insurance Companylong-term disability | 171 | — | $2,755 | — |
| United Heritage Life Insurance Companyvision | 169 | — | $2,682 | — |
| United Heritage Life Insurance Companyshort-term disability | 171 | — | $4,074 | — |
| United Heritage Life Insurance Companylife | 115 | — | $6,490 | — |
| Aetna Behavioral Health, LLCcoverage not coded | 171 | — | — | — |
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 Lightforce USA Inc dba Nightforce Optics 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 | 183 | +0.5% |
| Premiums filed | $112,525 | $1 | not comparable |
| Broker commissions + fees | $81,585 | $92,540 | +13.4% |
| 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 |
|---|---|---|---|---|
| Lightforce USA Inc dba Nightforce Optics Health and Welfare Benefits Plan#501 · insurance, general assets | December 31, 2025 | July 21, 2026 | before deadline | 183 |
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 Lightforce USA Inc dba Nightforce Optics pay in health insurance broker commissions in 2025?
Lightforce USA Inc dba Nightforce Optics's 2025 Form 5500 reports $92,540 in broker commissions and fees across 10 insurance contracts ($66,740 in commissions, $25,800 in fees), with Shelli Stayner receiving the largest share.
Is Lightforce USA Inc dba Nightforce Optics'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 Regence Blue Shield of Idaho.
How does Lightforce USA Inc dba Nightforce Optics's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Lightforce USA Inc dba Nightforce Optics 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.