Richard O Ellenburg
Updated Filing received by DOL
Richard O Ellenburg, a manufacturing — metal, equipment, transportation employer in Charlotte, North Carolina, reported 730 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows $958,298 in insurance premiums across 10 contracts and $183,515 in broker commissions and fees. The plan is fully insured (an insurance carrier pays claims). The Department of Labor received the filing on October 15, 2025, within the extension window.
Who was paid on Richard O Ellenburg's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Richard O Ellenburg filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Aon · Chicago, IL | $92,921 | $4,384 | $97,305 | 5 |
| TBX Employee Benefits · Plano, TX | $25,571 | $17,070 | $42,641 | 1 |
| Custom Benefit Programs Inc · Somerset, NJ | $26,839 | $791 | $27,630 | 3 |
| Joe Fernandez · Plano, TX | $13,886 | $3,990 | $17,876 | 3 |
| Life Insurance Co of North America · Lehigh Valley, PA | $0 | $0 | $0 | 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. Where Part I rows added up to more than the contract's Schedule A total, they were scaled down to that total. 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 |
|---|---|---|---|---|
| Unitedhealthcare Unsurance Companydental, vision, stop-loss | 762 | $958,298 | $63,823 | 6.7% |
| Life Insurance Company of North Americalong-term disability | 575 | — | $12,227 | — |
| New York Life Group Insurance Company of New Yorkshort-term disability | 575 | — | $11 | — |
| Life Insurance Company of North Americashort-term disability | 575 | — | — | — |
| Life Insurance Company of North Americacoverage not coded | 575 | — | $2,594 | — |
| Life Insurance Company of North Americacoverage not coded | 575 | — | $16,673 | — |
| Combined Insurance Companycoverage not coded | 137 | — | $42,641 | — |
| Metropolitan Life Insurance Companyhealth | 247 | — | $15,377 | — |
| Metropolitan Life Insurance Companyhealth | 222 | — | $15,269 | — |
| Metropolitan Life Insurance Companyhealth | 248 | — | $14,900 | — |
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 Richard O Ellenburg 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
| 2023 | 2024 | Change | |
|---|---|---|---|
| Participants | 546 | 730 | +33.7% |
| Premiums filed | $1,464,357 | $958,298 | not comparable |
| Broker commissions + fees | $192,999 | $183,515 | −4.9% |
| 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 |
|---|---|---|---|---|
| Nederman Corporation Welfare Benefit Plan#501 · insurance | December 31, 2024 | October 15, 2025 | within extension | 730 |
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 Richard O Ellenburg pay in health insurance broker commissions in 2024?
Richard O Ellenburg's 2024 Form 5500 reports $183,515 in broker commissions and fees across 10 insurance contracts ($155,738 in commissions, $27,777 in fees), with Aon receiving the largest share.
Is Richard O Ellenburg's health plan self-funded or fully insured?
The 2024 filing indicates the plan is fully insured (an insurance carrier pays claims). Medical coverage is written by Metropolitan Life Insurance Company.
How does Richard O Ellenburg's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Richard O Ellenburg because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 500-999 participants that disclosed broker pay reported a median of $104,902.
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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.