Pacific Industries USA
Updated Filing received by DOL
Pacific Industries USA, a manufacturing — metal, equipment, transportation employer in Fairfield, Ohio, reported 1,080 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows 8 insurance contracts with no premium reported and $306,524 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on December 19, 2025, before the deadline.
Who was paid on Pacific Industries USA's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Pacific Industries USA filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| McGohan Brabender, Inc. · Dayton, OH | $253,488 | $14,016 | $267,504 | 8 |
| Steele Insurance · Indianapolis, IN | $26,105 | $7,147 | $33,252 | 1 |
| Watchtower Technologies, Inc. · Chicago, IL | $0 | $5,768 | $5,768 | 4 |
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 |
|---|---|---|---|---|
| Sun Lifedental | 1,432 | — | $20,640 | — |
| Community Insurance Companyhealth, vision, PPO | 1,601 | — | $101,879 | — |
| Boston Mutual Life Insurance Companycoverage not coded | 147 | — | $3,302 | — |
| Lincoln National Lifelife | 1,195 | — | $8,930 | — |
| Lincoln National Lifelong-term disability | 1,225 | — | $38,387 | — |
| Lincoln National Lifecoverage not coded | 290 | — | $22,185 | — |
| Lincoln National Lifeshort-term disability | 509 | — | $58,933 | — |
| Met Life Insurance Companycoverage not coded | 190 | — | $52,268 | — |
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 Pacific Industries USA 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 | 921 | 1,080 | +17.3% |
| Premiums filed | $277,260 | $0 | not comparable |
| Broker commissions + fees | $210,985 | $306,524 | +45.3% |
| 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 |
|---|---|---|---|---|
| Pacific Industries USA Employee Benefit Plan#501 · insurance, general assets | June 30, 2025 | December 19, 2025 | before deadline | 1,080 |
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 Pacific Industries USA pay in health insurance broker commissions in 2024?
Pacific Industries USA's 2024 Form 5500 reports $306,524 in broker commissions and fees across 8 insurance contracts ($279,593 in commissions, $26,931 in fees), with McGohan Brabender, Inc. receiving the largest share.
Is Pacific Industries USA'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 Community Insurance Company.
How does Pacific Industries USA's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Pacific Industries USA because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 1,000-4,999 participants that disclosed broker pay reported a median of $168,579.
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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.