Rain Cii Carbon LLC
Updated Filing received by DOL
Rain Cii Carbon LLC, a manufacturing — chemical, wood, plastics employer in Covington, Louisiana, reported 205 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows 10 insurance contracts with no premium reported and $50,453 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on July 30, 2026, before the deadline.
Who was paid on Rain Cii Carbon 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 Rain Cii Carbon LLC filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Gallagher · La Grange, IL | $11,091 | $14,371 | $25,462 | 8 |
| Fritze Benefits LLC · River Ridge, LA | $0 | $9,761 | $9,761 | 3 |
| McO Partners LLC · Long Island City, NY | $2,427 | $1,063 | $3,490 | 1 |
| Hugh Jeffrey Sneddon · Larchmont, NY | $3,275 | $0 | $3,275 | 1 |
| Whitney Fritze · New Orleans, LA | $1,306 | $635 | $1,941 | 1 |
| Scott Joseph Francingues · New Orleans, LA | $328 | $968 | $1,296 | 1 |
| Michael a Book · New York, NY | $524 | $739 | $1,263 | 1 |
| Emerson Rogers LLC · Valhalla, NY | $1,244 | $0 | $1,244 | 1 |
| Scott Greenfield · Boca Raton, FL | $0 | $1,066 | $1,066 | 1 |
| Lee E Fritze · River Ridge, LA | $180 | $558 | $738 | 1 |
| Emerson Reid & Co Inc · Melville, NY | $268 | $0 | $268 | 1 |
| Jacquelyn Cronin Beach · River Ridge, LA | $97 | $168 | $265 | 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 |
|---|---|---|---|---|
| United of Omaha Life Insurance Companylong-term disability | 193 | — | $2,625 | — |
| United of Omaha Life Insurance Companylife | 217 | — | $5,185 | — |
| United of Omaha Life Insurance Companylife | 125 | — | $13,850 | — |
| Blue Cross and Blue Shield of Louisianastop-loss | 302 | — | $8,147 | — |
| Colonial Life & Accident Insurance Companylife | 75 | — | $14,255 | — |
| Work Partnerscoverage not coded | 198 | — | — | — |
| Four Ever Life Ins Cohealth | — | — | $38 | — |
| The Guardian Life Insurance of Americadental, vision, life | 120 | — | $481 | — |
| Massachusetts Mutual Life Insurance Companylong-term disability | 18 | — | $5,604 | — |
| The Prudential Insuarnce Company of Americacoverage not coded | 31 | — | $268 | — |
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 Rain Cii Carbon 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 | 245 | 205 | −16.3% |
| Premiums filed | $0 | $0 | not comparable |
| Broker commissions + fees | $14,623 | $50,453 | +245.0% |
| 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 |
|---|---|---|---|---|
| Rain Cii Carbon LLC Welfare Benefit Plan#501 · insurance, general assets | December 31, 2025 | July 30, 2026 | before deadline | 205 |
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 Rain Cii Carbon LLC pay in health insurance broker commissions in 2025?
Rain Cii Carbon LLC's 2025 Form 5500 reports $50,453 in broker commissions and fees across 10 insurance contracts ($21,036 in commissions, $29,417 in fees), with Gallagher receiving the largest share.
Is Rain Cii Carbon 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 Four Ever Life Ins Co.
How does Rain Cii Carbon LLC's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Rain Cii Carbon LLC 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.