Love's Travel Stops & Country Stores
Updated Filing received by DOL
Love's Travel Stops & Country Stores, a retail — stores, food, auto, clothing employer in Oklahoma City, Oklahoma, reported 39,663 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $8.4M in insurance premiums across 9 contracts and $286,776 in broker commissions and fees. The plan is self-funded (the employer pays claims itself). The Department of Labor received the filing on July 25, 2026, before the deadline.
Who was paid on Love's Travel Stops & Country Stores's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Love's Travel Stops & Country Stores filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Mercer · Chicago, IL | $173,192 | $42,057 | $215,249 | 3 |
| Lockton · Dallas, TX | $34,489 | $37,038 | $71,527 | 4 |
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 Dentaldental | 18,747 | $8.4M | — | — |
| Eyemed Vision Care on Behalf of Fidelity Security Life Insurance Co.vision | 28,784 | — | — | — |
| United Behavioral Health dba Optumcoverage not coded | 39,350 | — | — | — |
| Life Insurance Company of North Americacoverage not coded | 27,655 | — | $16,002 | — |
| Marquee Health, LLCcoverage not coded | 39,380 | — | — | — |
| Life Insurance Company of North Americalong-term disability | 9,663 | — | $106,675 | — |
| Life Insurance Company of North Americalife | 27,655 | — | $163,599 | — |
| Reliastar Life Insurance Companyshort-term disability · amount flagged as implausible, excluded | 21,115 | — | — | — |
| Unitedhealthcare Insurance Companycoverage not coded | 26 | — | $500 | — |
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 Love's Travel Stops & Country Stores 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 | 39,069 | 39,663 | +1.5% |
| Premiums filed | $8,484,213 | $8,402,725 | −1.0% |
| Broker commissions + fees | $386,471 | $286,776 | −25.8% |
| 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 |
|---|---|---|---|---|
| Love's Travel Stops & Country Stores, Inc. Benefits and Welfare Plan#501 · insurance, general assets | December 31, 2025 | July 25, 2026 | before deadline | 39,663 |
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 Love's Travel Stops & Country Stores pay in health insurance broker commissions in 2025?
Love's Travel Stops & Country Stores's 2025 Form 5500 reports $286,776 in broker commissions and fees across 9 insurance contracts ($207,681 in commissions, $79,095 in fees), with Mercer receiving the largest share.
Is Love's Travel Stops & Country Stores's health plan self-funded or fully insured?
The 2025 filing indicates the plan is self-funded (the employer pays claims itself).
How does Love's Travel Stops & Country Stores's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Love's Travel Stops & Country Stores because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 5,000+ participants that disclosed broker pay reported a median of $458,262.
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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.