Skinspirit Essential LLC
Updated Filing received by DOL
Skinspirit Essential LLC, an administrative & support services employer in Seattle, Washington, reported 193 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows $173,794 in insurance premiums across 6 contracts and $46,318 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on April 17, 2026, before the deadline.
Who was paid on Skinspirit Essential 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 Skinspirit Essential LLC filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Granite Professional Insurance · Pleasanton, CA | $22,230 | $0 | $22,230 | 5 |
| OneDigital · Atlanta, GA | $14,306 | $727 | $15,033 | 3 |
| Lori Laine · Yucaipa, CA | $2,890 | $1,445 | $4,335 | 2 |
| Susan Gold Stokes · Huntsville, AL | $1,884 | $157 | $2,041 | 2 |
| Ronny Ann Warner · Kuna, ID | $550 | $217 | $767 | 2 |
| Brett Welty Insurance Agency Inc · Santee, CA | $417 | $0 | $417 | 1 |
| Clarice R Mims · Marlboro, NY | $223 | $8 | $231 | 1 |
| Client Benefit Insurance Services I · Santee, CA | $195 | $0 | $195 | 1 |
| Wendy Elizabeth Wesolowski · Pensacola, FL | $181 | $12 | $193 | 1 |
| Pamela Cople Smith · Seattle, WA | $163 | $0 | $163 | 1 |
| Matthew Welty Insurance Agency Inc · Santee, CA | $126 | $0 | $126 | 1 |
| David J McClellan · Reinholds, PA | $13 | $94 | $107 | 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. 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 |
|---|---|---|---|---|
| Kaiser Foundation Health Plan of Washingtonhealth | 21 | $173,794 | $8,806 | 5.1% |
| Kaiser Foundation Health Plan, Inc.health | 35 | — | $13,545 | — |
| Metropolitan Life Insurance Companydental, vision | 394 | — | $10,308 | — |
| Canopy Eapcoverage not coded | 760 | — | — | — |
| Colonial Life & Accident Insurance Companylife, short-term disability | 27 | — | $12,792 | — |
| The Paul Revere Life Insurance Companylife, short-term disability | — | — | $867 | — |
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 Skinspirit Essential 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.
Premium per covered person on medical contracts: $8,276 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
| 2023 | 2024 | Change | |
|---|---|---|---|
| Participants | 111 | 193 | +73.9% |
| Premiums filed | $0 | $173,794 | not comparable |
| Broker commissions + fees | $56,682 | $46,318 | −18.3% |
| 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 |
|---|---|---|---|---|
| Skinspirit Essential LLC Health and Welfare Plan#501 · insurance, general assets | September 30, 2025 | April 17, 2026 | before deadline | 193 |
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 Skinspirit Essential LLC pay in health insurance broker commissions in 2024?
Skinspirit Essential LLC's 2024 Form 5500 reports $46,318 in broker commissions and fees across 6 insurance contracts ($43,620 in commissions, $2,698 in fees), with Granite Professional Insurance receiving the largest share.
Is Skinspirit Essential LLC's health plan self-funded or fully insured?
The 2024 filing indicates the plan is a mix of insured and self-funded coverage. Medical coverage is written by Kaiser Foundation Health Plan of Washington, Kaiser Foundation Health Plan, Inc..
How does Skinspirit Essential LLC's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Skinspirit Essential LLC 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.