Milton & Hattie Kutz Home, Inc.
Updated Filing received by DOL
Milton & Hattie Kutz Home, Inc., a healthcare & social assistance employer in Wilmington, Delaware, reported 105 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows 5 insurance contracts with no premium reported and $33,938 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 Milton & Hattie Kutz Home, 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 Milton & Hattie Kutz Home, Inc. filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Hudson Planning Group Inc · Wilmington, DE | $12,396 | $0 | $12,396 | 2 |
| Kistler Tiffany Benefits General · Berwyn, PA | $8,601 | $0 | $8,601 | 6 |
| Roth Voluntary Benefit Services Inc · Bear, DE | $4,329 | $1,010 | $5,339 | 1 |
| OneDigital · Atlanta, GA | $2,848 | $0 | $2,848 | 1 |
| Nicholas Cusmano · Chesapeake CY, MD | $1,890 | $86 | $1,976 | 1 |
| Brian Pevec · Newark, DE | $1,744 | $47 | $1,791 | 1 |
| Charles L Saulsbery · Wilmington, DE | $479 | $202 | $681 | 1 |
| Brad Lee Mundy · Wilmington, DE | $119 | $6 | $125 | 1 |
| Paul Stanley JR · North Charleston, SC | $57 | $18 | $75 | 1 |
| Willis Towers Watson · New York, NY | $70 | $0 | $70 | 1 |
| Michael Urban · Wilmington, DE | $9 | $0 | $9 | 1 |
| Tracey Matz · Conway, SC | $9 | $0 | $9 | 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 |
|---|---|---|---|---|
| The Guardian Life Insurance Company of Americadental, vision | 97 | — | $8,543 | — |
| Standard Insurance Companylife | 97 | — | $1,756 | — |
| Standard Insurance Companyshort-term disability | 96 | — | $3,966 | — |
| Standard Insurance Companylong-term disability | 97 | — | $2,879 | — |
| Colonial Life & Accident Insurance Companyhealth, life | 74 | — | $16,794 | — |
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 Milton & Hattie Kutz Home, 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.
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 |
|---|---|---|---|---|
| Milton & Hattie Kutz Home Wrap Plan#501 · insurance, general assets | December 31, 2025 | July 29, 2026 | before deadline | 105 |
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 Milton & Hattie Kutz Home, Inc. pay in health insurance broker commissions in 2025?
Milton & Hattie Kutz Home, Inc.'s 2025 Form 5500 reports $33,938 in broker commissions and fees across 5 insurance contracts ($32,567 in commissions, $1,371 in fees), with Hudson Planning Group Inc receiving the largest share.
Is Milton & Hattie Kutz Home, 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 Colonial Life & Accident Insurance Company.
How does Milton & Hattie Kutz Home, Inc.'s broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Milton & Hattie Kutz Home, 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.