Springfield Grocer Co
Updated Filing received by DOL
Springfield Grocer Co, a wholesale trade employer in Springfield, Missouri, reported 624 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $3.0M in insurance premiums across 3 contracts and $238,625 in broker commissions and fees, 7.3% 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 August 6, 2026, within the extension window.
Who was paid on Springfield Grocer Co's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Springfield Grocer Co filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Cox Health Systems Insurance Co · Springfield, MO | $0 | $213,202 | $213,202 | 1 |
| Med Pay Inc · Springfield, MO | $7,231 | $7,500 | $14,731 | 3 |
| Acrisure · Jefferson City, MO | $0 | $10,692 | $10,692 | 2 |
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 |
|---|---|---|---|---|
| Cox Health Systems Insurance Companyhealth, PPO | 904 | $3.0M | $220,702 | 7.2% |
| Sun Life Assurance Company of Canandadental, vision | 622 | — | $11,104 | — |
| Sun Life Assurance Company of Canadalife, short-term disability, long-term disability | 623 | — | $6,819 | — |
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 Springfield Grocer Co 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: $3,369 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 | 581 | 624 | +7.4% |
| Premiums filed | $2,786,057 | $3,045,739 | +9.3% |
| Broker commissions + fees | $215,867 | $238,625 | +10.5% |
| Commission rate | 7.0% | 7.3% | +0.3 pts |
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 |
|---|---|---|---|---|
| Springfield Grocer Co Employee Benefits Plan#503 · insurance, general assets | December 31, 2025 | August 6, 2026 | within extension | 624 |
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 Springfield Grocer Co pay in health insurance broker commissions in 2025?
Springfield Grocer Co's 2025 Form 5500 reports $238,625 in broker commissions and fees across 3 insurance contracts ($7,231 in commissions, $231,394 in fees), with Cox Health Systems Insurance Co receiving the largest share.
Is Springfield Grocer Co'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 Cox Health Systems Insurance Company.
How does Springfield Grocer Co's broker compensation compare with similar employers?
Springfield Grocer Co paid 7.3% of medical premium in commissions and fees. The median for employers with 500-999 participants is 2.7%, and the median in Missouri is 4.5%. 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.