Silver State Bell, LLC
Updated Filing received by DOL
Silver State Bell, LLC, an accommodation & food services employer in Las Vegas, Nevada, reported 777 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $66,197 in insurance premiums across 7 contracts and $123,090 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on June 22, 2026, before the deadline.
Who was paid on Silver State Bell, 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 Silver State Bell, LLC filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| IMA Financial · Denver, CO | $115,495 | $2,869 | $118,364 | 8 |
| USI Insurance Services · Virginia Beach, VA | $4,788 | $165 | $4,953 | 5 |
| Optavise, LLC · Birmingham, AL | $0 | $0 | $0 | 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. 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 |
|---|---|---|---|---|
| Vision Service Planvision | 646 | $66,197 | $2,236 | 3.4% |
| Rocky Mountain Hospital & Medical Service, Inc.dental | 1,122 | — | $35,741 | — |
| Hartford Life and Accidentlife, short-term disability | 766 | — | $51,553 | — |
| Kaiser Foundation Health Plan, Inc.health, prescription drug | 76 | — | $12,503 | — |
| Kaiser Foundation Health Plan, Inc.health, prescription drug | 81 | — | $14,531 | — |
| Kaiser Foundation Health Plan, Inc.health, prescription drug | 5 | — | $1,121 | — |
| Mediexcel Health Planhealth, dental | 79 | — | $5,405 | — |
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 Silver State Bell, 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 | 299 | 777 | +159.9% |
| Premiums filed | $47,080 | $66,197 | not comparable |
| Broker commissions + fees | $207,463 | $123,090 | −40.7% |
| 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 |
|---|---|---|---|---|
| Silver State Bell, LLC Health and Welfare Plan#510 · insurance, general assets | December 31, 2025 | June 22, 2026 | before deadline | 777 |
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 Silver State Bell, LLC pay in health insurance broker commissions in 2025?
Silver State Bell, LLC's 2025 Form 5500 reports $123,090 in broker commissions and fees across 7 insurance contracts ($119,610 in commissions, $3,480 in fees), with IMA Financial receiving the largest share.
Is Silver State Bell, 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 Kaiser Foundation Health Plan, Inc., Mediexcel Health Plan.
How does Silver State Bell, LLC's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Silver State Bell, LLC 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.