Omeara Ford Center, Inc
Updated Filing received by DOL
Omeara Ford Center, Inc, a retail — stores, food, auto, clothing employer in Northglenn, Colorado, reported 101 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $102,184 in insurance premiums across 11 contracts and $102,446 in broker commissions and fees. The plan is self-funded (the employer pays claims itself, with stop-loss coverage from HCC Life Insurance Company). The Department of Labor received the filing on June 17, 2026, before the deadline.
Who was paid on Omeara Ford Center, 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 Omeara Ford Center, Inc filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Moutainside Insurance Management · Denver, CO | $66,335 | $0 | $66,335 | 1 |
| Mountainside Insurance Management L · Eastlake, CO | $19,853 | $0 | $19,853 | 10 |
| American Fidelity Assurance Company · Oklahoma City, OK | $6,633 | $0 | $6,633 | 6 |
| Centerstone Insurance · Dallas, TX | $4,520 | $0 | $4,520 | 2 |
| Cada Insurance Services Inc · Denver, CO | $4,008 | $0 | $4,008 | 5 |
| Colorado Auto Dealers Association | $0 | $1,097 | $1,097 | 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 Dental of Coloradodental | 129 | $102,184 | $14,297 | 14.0% |
| HCC Life Insurance Companystop-loss | 97 | — | $66,335 | — |
| Life Insurance Company of North Americalife | 231 | — | $2,218 | — |
| Life Insurance Company of North Americacoverage not coded | 231 | — | $200 | — |
| Ember Assurance, Inc.vision | 104 | — | $1,523 | — |
| American Fidelity Assurance Companycoverage not coded | 87 | — | $3,919 | — |
| American Fidelity Assurance Companycoverage not coded | 11 | — | $207 | — |
| American Fidelity Assurance Companylong-term disability | 66 | — | $11,045 | — |
| American Fidelity Assurance Companyshort-term disability | — | — | $331 | — |
| American Fidelity Assurance Companyindemnity | 25 | — | $840 | — |
| American Fidelity Assurance Companycoverage not coded | 90 | — | $1,531 | — |
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 Omeara Ford Center, 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 | 124 | 101 | −18.5% |
| Premiums filed | $84,636 | $102,184 | +20.7% |
| Broker commissions + fees | $90,383 | $102,446 | +13.3% |
| 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 |
|---|---|---|---|---|
| O'meara Ford Center, Inc Employee Benefits Plan#501 · insurance, general assets | December 31, 2025 | June 17, 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 Omeara Ford Center, Inc pay in health insurance broker commissions in 2025?
Omeara Ford Center, Inc's 2025 Form 5500 reports $102,446 in broker commissions and fees across 11 insurance contracts ($101,349 in commissions, $1,097 in fees), with Moutainside Insurance Management receiving the largest share.
Is Omeara Ford Center, Inc's health plan self-funded or fully insured?
The 2025 filing indicates the plan is self-funded (the employer pays claims itself, with stop-loss coverage from HCC Life Insurance Company).
How does Omeara Ford Center, Inc's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Omeara Ford Center, 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.