Suit-Kote Corporation
Updated Filing received by DOL
Suit-Kote Corporation, a construction employer in Cortland, New York, reported 745 participants in its health and welfare plans for plan year 2024. Its Form 5500 shows 9 insurance contracts with no premium reported and $41,967 in broker commissions and fees. The plan is self-funded (the employer pays claims itself). The Department of Labor received the filing on September 30, 2025, within the extension window.
Who was paid on Suit-Kote Corporation's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Suit-Kote Corporation filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| James R Nelligan & Associates LLC · Wall, NJ | $22,687 | $3,394 | $26,081 | 2 |
| Onegroup NY Inc · Syracuse, NY | $3,649 | $2,846 | $6,495 | 3 |
| Aflac Syracuse - Andrew Thomas | $4,049 | $0 | $4,049 | 1 |
| Aflac Syracuse - Joseph Calarco | $1,215 | $0 | $1,215 | 1 |
| Andrew Thomas · Syracuse, NY | $1,124 | $0 | $1,124 | 2 |
| Joseph P Calarco · Auburn, NY | $562 | $22 | $584 | 2 |
| Jennie E Russo · Syracuse, NY | $382 | $113 | $495 | 1 |
| Laura Anne Calarco · Naples, FL | $325 | $0 | $325 | 2 |
| Nicholas Calarco · Syracuse, NY | $217 | $22 | $239 | 2 |
| Linda M Nearhoof · Erie, PA | $214 | $0 | $214 | 1 |
| Joan H Hays · Binghamton, NY | $207 | $0 | $207 | 1 |
| Falcone Associates Inc. · Syracuse, NY | $182 | $0 | $182 | 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 |
|---|---|---|---|---|
| Metropolitan Life Insurance Companylife | 840 | — | $8,094 | — |
| Metropolitan Life Insurance Companylong-term disability | 100 | — | — | — |
| Metropolitan Life Insurance Companyvision | 293 | — | $567 | — |
| The Guardian Life Insurance Company of Americalife, long-term disability | 715 | — | $23,370 | — |
| Aflacvision, short-term disability | 27 | — | $3,509 | — |
| Aflacvision, short-term disability | 10 | — | $1,163 | — |
| Metropolitan Life Insurance Companyvision | 323 | — | — | — |
| Crouse Health dba Helppeople Eapcoverage not coded | 732 | — | — | — |
| Allyhealth LLCcoverage not coded | 714 | — | $5,264 | — |
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 Suit-Kote Corporation 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 | 745 | 745 | +0.0% |
| Premiums filed | $0 | $0 | — |
| Broker commissions + fees | $37,950 | $41,967 | +10.6% |
| 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 |
|---|---|---|---|---|
| Suit-Kote Corporation Health & Welfare Benefits Plan#511 · insurance, general assets | December 31, 2024 | September 30, 2025 | within extension | 745 |
| Welfare Benefits Plan for the Employees of Suit-Kote Corporation#510 · trust | June 30, 2025 | April 14, 2026 | within extension | 327 |
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 Suit-Kote Corporation pay in health insurance broker commissions in 2024?
Suit-Kote Corporation's 2024 Form 5500 reports $41,967 in broker commissions and fees across 9 insurance contracts ($35,570 in commissions, $6,397 in fees), with James R Nelligan & Associates LLC receiving the largest share.
Is Suit-Kote Corporation's health plan self-funded or fully insured?
The 2024 filing indicates the plan is self-funded (the employer pays claims itself).
How does Suit-Kote Corporation's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Suit-Kote Corporation 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.