PCF Insurance Services of the West, LLC
Updated Filing received by DOL
PCF Insurance Services of the West, LLC, a finance & insurance employer in Lindon, Utah, reported 2,045 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows 9 insurance contracts with no premium reported and $335,634 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on May 12, 2026, before the deadline.
Who was paid on PCF Insurance Services of the West, 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 PCF Insurance Services of the West, LLC filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| PCF Insurance Services · Lindon, UT | $130,601 | $0 | $130,601 | 1 |
| Trucordia Insurance Services LLC · Woodlands Hills, CA | $71,708 | $4,876 | $76,584 | 3 |
| PCF Ins Services of West LLC · Woodland Hills, CA | $35,976 | $40,157 | $76,133 | 3 |
| PCF Holdco LLC · Lindon, UT | $50,107 | $0 | $50,107 | 1 |
| Emerosn Rogers LLC · Blue Bell, PA | $1,115 | $0 | $1,115 | 1 |
| Risk Placement Services Inc · Lindon, UT | $430 | $664 | $1,094 | 1 |
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 |
|---|---|---|---|---|
| Cigna Health and Life Insurance Companydental | 396 | — | $10,316 | — |
| Unum Life Insurance Company of Americacoverage not coded | 2,695 | — | $130,601 | — |
| Ansel Servicescoverage not coded | 513 | — | $50,107 | — |
| Telus Healthcoverage not coded | 2,910 | — | — | — |
| Eyemed Vision Care on Behalf of the Fidelity Security Life Ins Companyvision | 4,059 | — | $51,320 | — |
| Symetra Select Benefitscoverage not coded | 949 | — | $29,738 | — |
| New York Life Insurance Company of the Northlife, long-term disability | 1,962 | — | $40,157 | — |
| Guardian Life Insurance Company of Americadental, short-term disability | 1,868 | — | $23,395 | — |
| Kaiser Foundation Health Plan, Inc.health, prescription drug, HMO | 36 | — | — | — |
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 PCF Insurance Services of the West, 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
| 2024 | 2025 | Change | |
|---|---|---|---|
| Participants | 1,813 | 2,045 | +12.8% |
| Premiums filed | $0 | $0 | — |
| Broker commissions + fees | $412,378 | $335,634 | −18.6% |
| 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 |
|---|---|---|---|---|
| PCF Flexible Benefits Plan#501 · insurance, general assets | December 31, 2025 | May 12, 2026 | before deadline | 2,045 |
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 PCF Insurance Services of the West, LLC pay in health insurance broker commissions in 2025?
PCF Insurance Services of the West, LLC's 2025 Form 5500 reports $335,634 in broker commissions and fees across 9 insurance contracts ($289,937 in commissions, $45,697 in fees), with PCF Insurance Services receiving the largest share.
Is PCF Insurance Services of the West, LLC's health plan self-funded or fully insured?
The 2025 filing indicates the plan is a mix of insured and self-funded coverage. Medical coverage is written by Kaiser Foundation Health Plan, Inc..
How does PCF Insurance Services of the West, LLC's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for PCF Insurance Services of the West, LLC 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.