Red Lobster Restaurants, LLC
Updated Filing received by DOL
Red Lobster Restaurants, LLC, an accommodation & food services employer in Orlando, Florida, reported 7,150 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $20M in insurance premiums across 15 contracts and $739,979 in broker commissions and fees, 3.0% of medical premium against a national median of 3.8% among plans that paid commissions in plan year 2024. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on July 20, 2026, before the deadline.
Who was paid on Red Lobster Restaurants, 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 Red Lobster Restaurants, LLC filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Marsh McLennan Agency | $739,979 | $0 | $739,979 | 6 |
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 |
|---|---|---|---|---|
| Blue Cross Blue Shield of Floridahealth | 1,639 | $20M | $594,394 | 3.0% |
| Delta Dental Insurance Companydental | 1,855 | — | $12,749 | — |
| Eyemed Vision Carevision | 1,964 | — | — | — |
| Kaiser Foundation Health Plan of Coloradohealth | 17 | — | — | — |
| Kaiser Health Foundation of Hawaiihealth | 31 | — | — | — |
| United of Omaha Life Insurance Companylife, long-term disability | 1,657 | — | $96,104 | — |
| Kaiser Foundation Health Plan of Georgiahealth | 33 | — | — | — |
| Kaiser Foundation Health Plan of Mid-Atlantichealth | 39 | — | — | — |
| Kaiser Foundation Health Plan Inc.health | 36 | — | — | — |
| Kaiser Foundation Health Plan of the Northwesthealth | 5 | — | — | — |
| Kaiser Foundation Health Plan, Inc.health | 39 | — | — | — |
| Delta Dental Insurance Companydental | 486 | — | — | — |
| Nationwidelife, stop-loss, indemnity | 422 | — | $13,784 | — |
| Ameritasdental, vision | 573 | — | $22,802 | — |
| Crum & Forstercoverage not coded | 63 | — | $146 | — |
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 Red Lobster Restaurants, 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.
Premium per covered person on medical contracts: $12,089 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
| 2024 | 2025 | Change | |
|---|---|---|---|
| Participants | 9,064 | 7,150 | −21.1% |
| Premiums filed | $0 | $19,813,131 | — |
| Broker commissions + fees | $21,677 | $739,979 | +3313.7% |
| Commission rate | — | 3.0% | — |
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 |
|---|---|---|---|---|
| Red Lobster Restaurants, LLC Health and Welfare Plan#503 · insurance, general assets | December 31, 2025 | July 20, 2026 | before deadline | 7,150 |
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 Red Lobster Restaurants, LLC pay in health insurance broker commissions in 2025?
Red Lobster Restaurants, LLC's 2025 Form 5500 reports $739,979 in broker commissions and fees across 15 insurance contracts ($739,979 in commissions, $0 in fees), with Marsh McLennan Agency receiving the largest share.
Is Red Lobster Restaurants, 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 Blue Cross Blue Shield of Florida, Kaiser Foundation Health Plan of Colorado, Kaiser Health Foundation of Hawaii.
How does Red Lobster Restaurants, LLC's broker compensation compare with similar employers?
Red Lobster Restaurants, LLC paid 3.0% of medical premium in commissions and fees. The median for employers with 5,000+ participants is 4.8%, and the median in Florida is 4.6%. Percentages are computed only on fully insured medical contracts with filed premiums.
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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.