LT Foods Americas, Inc.
Updated Filing received by DOL
LT Foods Americas, Inc., a manufacturing — food & textile employer in Cypress, California, reported 188 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows 8 insurance contracts with no premium reported and $36,365 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on February 27, 2026, within the extension window.
Who was paid on LT Foods Americas, 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 LT Foods Americas, Inc. filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| World Insurance Associates · Iselin, NJ | $20,911 | $1,863 | $22,774 | 6 |
| Kistler Tiffany Benefits General · Berwyn, PA | $6,204 | $0 | $6,204 | 1 |
| World Ins Assoc LLC · Iselin, NJ | $3,230 | $956 | $4,186 | 1 |
| OneDigital · Berwyn, PA | $3,201 | $0 | $3,201 | 1 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2024, as published in EBSA's 2024 "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 |
|---|---|---|---|---|
| Life Insurance Company of North Americalife | 251 | — | $475 | — |
| Life Insurance Company of North Americacoverage not coded | 251 | — | $45 | — |
| Kaiser Foundation Health Plan Inchealth | 64 | — | $19,905 | — |
| Life Insurance Company of North Americalong-term disability | 47 | — | $279 | — |
| Life Insurance Company of North Americashort-term disability | 37 | — | $207 | — |
| Cigna Health and Life Insurance Company and Affiliatesdental, vision, indemnity | 123 | — | $4,186 | — |
| Cigna Health and Life Insurance Companyhealth | 117 | — | $1,863 | — |
| Metropolitan Life Insurance Companydental | 334 | — | $9,405 | — |
Source: DOL Form 5500 Schedule A, plan year 2024. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How LT Foods Americas, 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
| 2023 | 2024 | Change | |
|---|---|---|---|
| Participants | 178 | 188 | +5.6% |
| Premiums filed | $0 | $0 | not comparable |
| Broker commissions + fees | $83,354 | $36,365 | −56.4% |
| Commission rate | — | — | — |
Source: DOL Form 5500 filings for plan years 2023 and 2024.
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 |
|---|---|---|---|---|
| LT Foods Americas, Inc. Health and Welfare Plan#501 · insurance, general assets | June 30, 2025 | February 27, 2026 | within extension | 188 |
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 LT Foods Americas, Inc. pay in health insurance broker commissions in 2024?
LT Foods Americas, Inc.'s 2024 Form 5500 reports $36,365 in broker commissions and fees across 8 insurance contracts ($33,546 in commissions, $2,819 in fees), with World Insurance Associates receiving the largest share.
Is LT Foods Americas, Inc.'s health plan self-funded or fully insured?
The 2024 filing indicates the plan is a mix of insured and self-funded coverage. Medical coverage is written by Kaiser Foundation Health Plan Inc, Cigna Health and Life Insurance Company.
How does LT Foods Americas, Inc.'s broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for LT Foods Americas, 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.