Pine Bluff Sand & Gravel Company
Updated Filing received by DOL
Pine Bluff Sand & Gravel Company, a mining, oil & gas employer in Pine Bluff, Arkansas, reported 473 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $244,714 in insurance premiums across 5 contracts and $215,764 in broker commissions and fees. The plan is self-funded (the employer pays claims itself). The Department of Labor received the filing on July 22, 2026, before the deadline.
Who was paid on Pine Bluff Sand & Gravel Company's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Pine Bluff Sand & Gravel Company filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Stephens Insurance LLC · Little Rock, AR | $31,806 | $7,905 | $39,711 | 4 |
| Simmons First Insurance Services of · Jackson, TN | $4,523 | $15,684 | $20,207 | 2 |
| Hefner & Associates Inc · Lewisville, TX | $13,757 | $0 | $13,757 | 1 |
| Avant Specialty Benefits LLC · Waukee, IA | $0 | $4,518 | $4,518 | 2 |
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 Plan of Arkansasdental | 426 | $190,486 | $25,916 | 13.6% |
| Delta Vision Plan of Arkansasvision | 346 | $54,228 | $7,461 | 13.8% |
| The Lincoln National Life Insurance Companylong-term disability | 81 | — | $2,680 | — |
| The Lincoln National Life Insurance Companyshort-term disability | 444 | — | $28,383 | — |
| The Prudential Insurance Company of Americalife | 439 | — | $151,324 | — |
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 Pine Bluff Sand & Gravel Company 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 | 459 | 473 | +3.1% |
| Premiums filed | $187,885 | $244,714 | +30.2% |
| Broker commissions + fees | $62,134 | $215,764 | +247.3% |
| 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 |
|---|---|---|---|---|
| Pine Bluff Sand & Gravel Company Welfare Plan#501 · insurance, general assets | December 31, 2025 | July 22, 2026 | before deadline | 473 |
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 Pine Bluff Sand & Gravel Company pay in health insurance broker commissions in 2025?
Pine Bluff Sand & Gravel Company's 2025 Form 5500 reports $215,764 in broker commissions and fees across 5 insurance contracts ($189,584 in commissions, $26,180 in fees), with Stephens Insurance LLC receiving the largest share.
Is Pine Bluff Sand & Gravel Company's health plan self-funded or fully insured?
The 2025 filing indicates the plan is self-funded (the employer pays claims itself).
How does Pine Bluff Sand & Gravel Company's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Pine Bluff Sand & Gravel Company because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 200-499 participants that disclosed broker pay reported a median of $77,013.
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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.