R. Torre & Company
Updated Filing received by DOL
R. Torre & Company, a manufacturing — food & textile employer in San Leandro, California, reported 354 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows $908,027 in insurance premiums across 5 contracts and $299,923 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on October 6, 2025, before the deadline.
Who was paid on R. Torre & 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 R. Torre & Company filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Ris Employee Benefits, Inc. · Los Altos, CA | $163,664 | $0 | $163,664 | 4 |
| Img · Indianapolis, IN | $0 | $85 | $85 | 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 |
|---|---|---|---|---|
| The North River Insurance Companyhealth, stop-loss, indemnity | 192 | $908,027 | $136,180 | 15.0% |
| Kaiser Foundation Health Plan Inchealth, HMO | 357 | — | $108,813 | — |
| Metropolitan Life Insurance Companydental, PPO | 655 | — | $16,888 | — |
| Prudential Insurance Company of Americalife, short-term disability, long-term disability, indemnity | 409 | — | $36,065 | — |
| Vision Service Planvision, PPO | 339 | — | $1,977 | — |
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 R. Torre & 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.
Premium per covered person on medical contracts: $4,729 a year (national median $7,274).
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 | 262 | 354 | +35.1% |
| Premiums filed | $669,526 | $908,027 | not comparable |
| Broker commissions + fees | $242,914 | $299,923 | +23.5% |
| 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 |
|---|---|---|---|---|
| R. Torre & Company Health & Welfare Benefits Plan#501 · insurance, general assets | May 31, 2025 | October 6, 2025 | before deadline | 354 |
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 R. Torre & Company pay in health insurance broker commissions in 2024?
R. Torre & Company's 2024 Form 5500 reports $299,923 in broker commissions and fees across 5 insurance contracts ($299,838 in commissions, $85 in fees), with Ris Employee Benefits, Inc. receiving the largest share.
Is R. Torre & Company'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 The North River Insurance Company, Kaiser Foundation Health Plan Inc.
How does R. Torre & Company's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for R. Torre & 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.