Qk4, Inc
Updated Filing received by DOL
Qk4, Inc, a construction employer in Louisville, Kentucky, reported 100 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows 4 insurance contracts with no premium reported and $63,761 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on November 17, 2025, before the deadline.
Who was paid on Qk4, Inc's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Qk4, Inc filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| USI Insurance Services · Virginia Beach, VA | $47,539 | $15,634 | $63,173 | 3 |
| Amber Richardson · Radcliff, KY | $214 | $25 | $239 | 1 |
| Chad Thompson and Various Agents · Owensboro, KY | $106 | $0 | $106 | 1 |
| Jon-Claude Sabol · Peru, IN | $88 | $0 | $88 | 1 |
| Mark Galvin · Elizabethtown, KY | $69 | $0 | $69 | 1 |
| Brian Graham · Louisville, KY | $49 | $0 | $49 | 1 |
| Seth Akers · Taylorsville, KY | $32 | $6 | $38 | 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 |
|---|---|---|---|---|
| Anthem Health Plans of Kentucky, Inc.health, dental, vision, prescription drug, PPO | 244 | — | $41,870 | — |
| Human Development Company, Inc.coverage not coded | 133 | — | — | — |
| Aflaccoverage not coded | 16 | — | $676 | — |
| United of Omaha Life Insurance Companylife, short-term disability, long-term disability | 133 | — | $21,215 | — |
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 Qk4, Inc 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 |
|---|---|---|---|---|
| Qk4, Inc. Anthem Health Plans of Kentucky, Inc. d/b/a Anthem Blue Cross and Blue Shield#510 · insurance, general assets | May 31, 2025 | November 17, 2025 | before deadline | 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 Qk4, Inc pay in health insurance broker commissions in 2024?
Qk4, Inc's 2024 Form 5500 reports $63,761 in broker commissions and fees across 4 insurance contracts ($48,096 in commissions, $15,665 in fees), with USI Insurance Services receiving the largest share.
Is Qk4, Inc'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 Anthem Health Plans of Kentucky, Inc..
How does Qk4, Inc's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Qk4, Inc 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.