Packaging Distribution Resources LLC
Updated Filing received by DOL
Packaging Distribution Resources LLC, a transportation — warehousing employer in Edison, New Jersey, reported 157 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows 7 insurance contracts with no premium reported and $90,007 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on January 14, 2026, before the deadline.
Who was paid on Packaging Distribution Resources LLC's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Packaging Distribution Resources LLC filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Professional Group Plans Inc · Hauppauge, NY | $57,076 | $14,648 | $71,724 | 4 |
| Van DYK Financial Services, LLC · Barnegat, NJ | $6,621 | $0 | $6,621 | 3 |
| Lacey M Auriemma · Point Pleasant Beach, NJ | $5,793 | $99 | $5,892 | 2 |
| Ciro Abril · Howell, NJ | $2,135 | $0 | $2,135 | 1 |
| Brian M Denoia · Point Pleasant Boro, NJ | $1,347 | $0 | $1,347 | 1 |
| Christopher J Burris · Bayville, NJ | $1,193 | $18 | $1,211 | 2 |
| Brian D Denoia · Point Pleasant Boro, NJ | $504 | $18 | $522 | 1 |
| John T Capozzi · Middletown, DE | $249 | $0 | $249 | 2 |
| Magdaly Santos · Pittsgrove, NJ | $161 | $0 | $161 | 2 |
| Lisa Capozzi · Woodbury Heights, NJ | $108 | $0 | $108 | 2 |
| Michael Hensh · Williamstown, NJ | $17 | $0 | $17 | 1 |
| Richard Degennaro · Belford, NJ | $13 | $0 | $13 | 1 |
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 |
|---|---|---|---|---|
| Horizon Healthcare Services, Inc.health | 101 | — | $58,986 | — |
| Horizon Healthcare Services, Inc.prescription drug | 67 | — | $9,858 | — |
| Cigna Health and Life Insurance Company and Affiliatesdental, indemnity | 141 | — | $4,106 | — |
| Vision Service Planvision | 136 | — | $1,105 | — |
| Principal Life Insurance Companylife, short-term disability, long-term disability | 160 | — | $4,290 | — |
| Aflachealth, short-term disability | 26 | — | $7,763 | — |
| Aflachealth, short-term disability | 21 | — | $3,899 | — |
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 Packaging Distribution Resources LLC 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 | 119 | 157 | +31.9% |
| Premiums filed | $0 | $0 | not comparable |
| Broker commissions + fees | $74,164 | $90,007 | +21.4% |
| 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 |
|---|---|---|---|---|
| Packaging Distribution Resources LLC Health & Welfare Plan#501 · insurance, general assets | August 31, 2025 | January 14, 2026 | before deadline | 157 |
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 Packaging Distribution Resources LLC pay in health insurance broker commissions in 2024?
Packaging Distribution Resources LLC's 2024 Form 5500 reports $90,007 in broker commissions and fees across 7 insurance contracts ($75,224 in commissions, $14,783 in fees), with Professional Group Plans Inc receiving the largest share.
Is Packaging Distribution Resources LLC'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 Horizon Healthcare Services, Inc., Aflac.
How does Packaging Distribution Resources LLC's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Packaging Distribution Resources LLC 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.