The Carlstar Group, LLC
Updated Filing received by DOL
The Carlstar Group, LLC, a manufacturing — metal, equipment, transportation employer in Franklin, Tennessee, reported 997 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows $617,410 in insurance premiums across 7 contracts and $49,819 in broker commissions and fees. The plan is self-funded (the employer pays claims itself). The Department of Labor received an amended filing on March 17, 2026; the original filing date is not in the public dataset.
Who was paid on The Carlstar Group, 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 The Carlstar Group, LLC filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Lockton · Chicago, IL | $28,859 | $0 | $28,859 | 5 |
| HUB International · Riverside, CA | $20,960 | $0 | $20,960 | 4 |
| Reuben Warner Associates, Inc. · Staten Island, NY | $0 | $0 | $0 | 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 |
|---|---|---|---|---|
| Standard Insurance Companylife | 856 | $377,687 | $4,857 | 1.3% |
| Standard Insurance Companylong-term disability | 855 | $239,723 | $8,875 | 3.7% |
| Eyemed Vision Care on Behalf of Fidelity Security Life Insurance Co.vision | 1,159 | — | $2,449 | — |
| Reliastar Life Insurance Companyindemnity | 392 | — | $32,856 | — |
| Starr Indemnity & Liability Companycoverage not coded | 856 | — | — | — |
| Express Scripts Inc.prescription drug | 1,262 | — | — | — |
| Arag Insurance Companycoverage not coded | 142 | — | $782 | — |
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 The Carlstar Group, 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
| 2023 | 2024 | Change | |
|---|---|---|---|
| Participants | 1,172 | 997 | −14.9% |
| Premiums filed | $530,690 | $617,410 | +16.3% |
| Broker commissions + fees | $70,389 | $49,819 | −29.2% |
| 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 |
|---|---|---|---|---|
| The Carlstar Group, LLC Flexible Benefits Plan#501 · final filing · amended · insurance, general assets | December 31, 2024 | March 17, 2026 | amended filing; original date not in data | 997 |
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 The Carlstar Group, LLC pay in health insurance broker commissions in 2024?
The Carlstar Group, LLC's 2024 Form 5500 reports $49,819 in broker commissions and fees across 7 insurance contracts ($49,819 in commissions, $0 in fees), with Lockton receiving the largest share.
Is The Carlstar Group, LLC's health plan self-funded or fully insured?
The 2024 filing indicates the plan is self-funded (the employer pays claims itself).
How does The Carlstar Group, LLC's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for The Carlstar Group, 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.