River City Ford, Inc.
Updated Filing received by DOL
River City Ford, Inc., a retail — stores, food, auto, clothing employer in Baton Rouge, Louisiana, reported 179 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows 5 insurance contracts with no premium reported and $97,218 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on September 1, 2026, before the deadline.
Who was paid on River City Ford, 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 River City Ford, Inc. filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| NFP · Baton Rouge, LA | $58,032 | $26,153 | $84,185 | 5 |
| American Fidelity Assurance Company · Oklahoma City, OK | $6,147 | $0 | $6,147 | 3 |
| Blanchard E Sanchez · Baton Rouge, LA | $4,722 | $0 | $4,722 | 2 |
| Louisiana Automobile Dealers Assoc · Baton Rouge, LA | $0 | $1,663 | $1,663 | 3 |
| Blanchard Sanchez E · Baton Rouge, LA | $501 | $0 | $501 | 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 |
|---|---|---|---|---|
| Blue Cross and Blue Shield of Louisianahealth, prescription drug, PPO | 152 | — | $71,854 | — |
| American Fidelity Assurance Companyhealth, short-term disability, long-term disability | 55 | — | $5,500 | — |
| American Fidelity Assurance Companyhealth, short-term disability, long-term disability | 52 | — | $10,906 | — |
| American Fidelity Assurance Companyhealth, short-term disability | 37 | — | $1,850 | — |
| National Guardian Life Insurance Companydental, vision | 106 | — | $7,108 | — |
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 River City Ford, 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.
Year over year
| 2024 | 2025 | Change | |
|---|---|---|---|
| Participants | 204 | 179 | −12.3% |
| Premiums filed | $0 | $0 | not comparable |
| Broker commissions + fees | $84,261 | $97,218 | +15.4% |
| 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 |
|---|---|---|---|---|
| Hollingsworth Richards Auto Group Welfare Benefits Plan#501 · insurance, general assets | April 30, 2026 | September 1, 2026 | before deadline | 179 |
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 River City Ford, Inc. pay in health insurance broker commissions in 2025?
River City Ford, Inc.'s 2025 Form 5500 reports $97,218 in broker commissions and fees across 5 insurance contracts ($69,402 in commissions, $27,816 in fees), with NFP receiving the largest share.
Is River City Ford, Inc.'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 and Blue Shield of Louisiana, American Fidelity Assurance Company.
How does River City Ford, Inc.'s broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for River City Ford, 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.