O'toole Distribution, Inc dba Pella Windows and Doors
Updated Filing received by DOL
O'toole Distribution, Inc dba Pella Windows and Doors, a construction employer in North Chesterfield, Virginia, reported 101 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows $70,022 in insurance premiums across 5 contracts and $39,406 in broker commissions and fees. The plan is fully insured (an insurance carrier pays claims). The Department of Labor received the filing on May 5, 2026, before the deadline.
Who was paid on O'toole Distribution, Inc dba Pella Windows and Doors's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract O'toole Distribution, Inc dba Pella Windows and Doors filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Leahy Consulting Services · Midlothian, VA | $39,406 | $0 | $39,406 | 5 |
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 |
|---|---|---|---|---|
| Standard Insurance Companydental | 63 | $30,313 | $1,705 | 5.6% |
| Standard Insurance Companylife | 107 | $26,162 | $1,968 | 7.5% |
| Standard Insurance Companylong-term disability | 107 | $13,547 | $1,457 | 10.8% |
| Metropolitan Life Insurance Companyvision | 114 | — | $556 | — |
| United Healthcare Insurance Companyhealth | 102 | — | $33,720 | — |
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 O'toole Distribution, Inc dba Pella Windows and Doors 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 |
|---|---|---|---|---|
| O'toole Distribution, Inc dba Pella Windows and Doors Wrap Benefit Plan#501 · insurance | November 30, 2025 | May 5, 2026 | before deadline | 101 |
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 O'toole Distribution, Inc dba Pella Windows and Doors pay in health insurance broker commissions in 2024?
O'toole Distribution, Inc dba Pella Windows and Doors's 2024 Form 5500 reports $39,406 in broker commissions and fees across 5 insurance contracts ($39,406 in commissions, $0 in fees), with Leahy Consulting Services receiving the largest share.
Is O'toole Distribution, Inc dba Pella Windows and Doors's health plan self-funded or fully insured?
The 2024 filing indicates the plan is fully insured (an insurance carrier pays claims). Medical coverage is written by United Healthcare Insurance Company.
How does O'toole Distribution, Inc dba Pella Windows and Doors's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for O'toole Distribution, Inc dba Pella Windows and Doors 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.