Tom Stuart Construction, LLC
Updated Filing received by DOL
Tom Stuart Construction, LLC, a construction employer in North Salt Lake, Utah, reported 113 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows $865,827 in insurance premiums across 5 contracts and $39,009 in broker commissions and fees. The plan is self-funded (the employer pays claims itself, with stop-loss coverage from Motivhealth Insurance Company). The Department of Labor received the filing on March 24, 2026, before the deadline.
Who was paid on Tom Stuart Construction, 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 Tom Stuart Construction, LLC filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Karen Brown - GBS Benefits · South Salt Lake, UT | $33,848 | $0 | $33,848 | 1 |
| GBS Benefits, Inc. · South Salt Lake, UT | $5,243 | $0 | $5,243 | 3 |
| GBS Benefits, Inc. - Salt Lake City · South Salt Lake, UT | $282 | $0 | $282 | 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 |
|---|---|---|---|---|
| Motivhealth Insurance Companyprescription drug, stop-loss | 236 | $865,827 | $33,484 | 3.9% |
| Educators Health Plans Life, Accident and Health, Incdental | 198 | — | $3,770 | — |
| Total Dental Administrators of Utahdental | 30 | — | $251 | — |
| Equitable Financial Life Insurance Company of Americacoverage not coded | 200 | — | $1,222 | — |
| Eyemed Vision Carevision | 173 | — | $282 | — |
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 Tom Stuart Construction, 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.
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 |
|---|---|---|---|---|
| Tom Stuart Construction Welfare Plan#501 · insurance, general assets | August 31, 2025 | March 24, 2026 | before deadline | 113 |
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 Tom Stuart Construction, LLC pay in health insurance broker commissions in 2024?
Tom Stuart Construction, LLC's 2024 Form 5500 reports $39,009 in broker commissions and fees across 5 insurance contracts ($39,009 in commissions, $0 in fees), with Karen Brown - GBS Benefits receiving the largest share.
Is Tom Stuart Construction, LLC's health plan self-funded or fully insured?
The 2024 filing indicates the plan is self-funded (the employer pays claims itself, with stop-loss coverage from Motivhealth Insurance Company).
How does Tom Stuart Construction, LLC's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Tom Stuart Construction, 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.