Opes Companies
Updated Filing received by DOL a plan year 2025 filing was received May 27, 2026 for 1 of this employer's 4 plans; this record moves to 2025 when all have arrived
Opes Companies, a retail — general merchandise, sporting goods employer in North Kansas City, Missouri, reported 100 participants in its health and welfare plans for plan year 2024. Its Form 5500 shows 2 insurance contracts with no premium reported and $3,782 in broker commissions and fees. The plan is self-funded (the employer pays claims itself). The Department of Labor received an amended filing on September 24, 2026; the original filing date is not in the public dataset.
Who was paid on Opes Companies's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Opes Companies filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Davis Spencer · Overland Park, KS | $3,782 | $0 | $3,782 | 2 |
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 |
|---|---|---|---|---|
| Kansas City Life Insurance Companycoverage not coded | 454 | — | $2,296 | — |
| Kansas City Life Insurance Companycoverage not coded | 454 | — | $1,486 | — |
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 Opes Companies 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 |
|---|---|---|---|---|
| Opes Companies, LLC Medical Benefits Plan#503 · final filing · amended · general assets | July 31, 2025 | September 24, 2026 | amended filing; original date not in data | 100 |
| Opes Companies, LLC Accident Benefits Plan#508 · final filing · amended · insurance | July 31, 2025 | September 24, 2026 | amended filing; original date not in data | 100 |
| Opes Companies, LLC Critical Illness Benefits Plan#509 · final filing · amended · insurance | July 31, 2025 | September 24, 2026 | amended filing; original date not in data | 100 |
| Opes Companies, LLC Fsa Plan#510 · final filing · amended · general assets | July 31, 2025 | September 24, 2026 | amended filing; original date not in data | 100 |
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 Opes Companies pay in health insurance broker commissions in 2024?
Opes Companies's 2024 Form 5500 reports $3,782 in broker commissions and fees across 2 insurance contracts ($3,782 in commissions, $0 in fees), with Davis Spencer receiving the largest share.
Is Opes Companies's health plan self-funded or fully insured?
The 2024 filing indicates the plan is self-funded (the employer pays claims itself).
How does Opes Companies's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Opes Companies 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.