LM Sandler & Sons Inc
Updated Filing received by DOL
LM Sandler & Sons Inc, a professional & technical services employer in Virginia Beach, Virginia, reported 354 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $232,460 in insurance premiums across 5 contracts and $43,757 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 29, 2026, before the deadline.
Who was paid on LM Sandler & Sons 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 LM Sandler & Sons Inc filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| The Spindel Agency LLC · Virginia Beach, VA | $24,611 | $103 | $24,714 | 4 |
| Frieden Agency LLC · Norfolk, VA | $17,119 | $1,901 | $19,020 | 2 |
| Landwehr Ins Services Inc · Jefferson City, MO | $23 | $0 | $23 | 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 |
|---|---|---|---|---|
| Standard Insurance Companylong-term disability | 333 | $116,711 | $9,861 | 8.4% |
| Standard Insurance Companylife | 333 | $56,452 | $6,052 | 10.7% |
| Standard Insurance Companyshort-term disability | — | $52,333 | $8,414 | 16.1% |
| Standard Insurance Companyvision | 52 | $6,964 | $821 | — |
| Anthem Health Plans of Vahealth, dental, vision, PPO, indemnity | 213 | — | $18,609 | — |
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 LM Sandler & Sons 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 | 378 | 354 | −6.3% |
| Premiums filed | $142,028 | $232,460 | not comparable |
| Broker commissions + fees | $50,707 | $43,757 | −13.7% |
| 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 |
|---|---|---|---|---|
| LM Sandler & Sons Inc. Flexible Benefits Plan#502 · insurance, general assets | December 31, 2025 | July 29, 2026 | before deadline | 354 |
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 LM Sandler & Sons Inc pay in health insurance broker commissions in 2025?
LM Sandler & Sons Inc's 2025 Form 5500 reports $43,757 in broker commissions and fees across 5 insurance contracts ($41,959 in commissions, $1,798 in fees), with The Spindel Agency LLC receiving the largest share.
Is LM Sandler & Sons 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 Anthem Health Plans of Va.
How does LM Sandler & Sons Inc's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for LM Sandler & Sons 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.