Universal Leaf Tobacco Company Inc
Updated Filing received by DOL
Universal Leaf Tobacco Company Inc, a wholesale trade employer in Richmond, Virginia, reported 1,381 participants in its health and welfare plans for plan year 2024. Its Form 5500 shows 8 insurance contracts with no premium reported and $161,210 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on October 9, 2025, within the extension window.
Who was paid on Universal Leaf Tobacco Company Inc's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Universal Leaf Tobacco Company Inc filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Alliant Insurance Services · Alpharetta, GA | $116,657 | $442 | $117,099 | 7 |
| Gis Benefits Inc · Morris, IL | $34,126 | $9,985 | $44,111 | 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 |
|---|---|---|---|---|
| Unitedhealthcare Insurance Companyhealth | 93 | — | $56,650 | — |
| Metropolitan Life Insurance Companylife | 2,591 | — | $44,222 | — |
| Metropolitan Life Insurance Companylife | 341 | — | $109 | — |
| Metropolitan Life Insurance Companycoverage not coded | 1,217 | — | $111 | — |
| Anthem Health Plans of Virginia dba Anthem BCBShealth, vision, PPO | 1,142 | — | — | — |
| Fidelity Security Life Insurance Companyvision | 472 | — | $5,560 | — |
| Metropolitan Life Insurance Companyshort-term disability, long-term disability | 298 | — | $111 | — |
| HM Life Insurance Companystop-loss | 704 | — | $54,447 | — |
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 Universal Leaf Tobacco Company Inc 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 | 1,397 | 1,381 | −1.1% |
| Premiums filed | $0 | $0 | not comparable |
| Broker commissions + fees | $190,200 | $161,210 | −15.2% |
| 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 |
|---|---|---|---|---|
| Universal Leaf Tobacco Company Inc Welfare Benefits Plan#544 · insurance, general assets | December 31, 2024 | October 9, 2025 | within extension | 1,381 |
| Universal Leaf Tobacco Company Inc Medicare Campaign Hra#545 · general assets | December 31, 2024 | October 9, 2025 | within extension | 502 |
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 Universal Leaf Tobacco Company Inc pay in health insurance broker commissions in 2024?
Universal Leaf Tobacco Company Inc's 2024 Form 5500 reports $161,210 in broker commissions and fees across 8 insurance contracts ($150,783 in commissions, $10,427 in fees), with Alliant Insurance Services receiving the largest share.
Is Universal Leaf Tobacco Company Inc'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 Unitedhealthcare Insurance Company, Anthem Health Plans of Virginia dba Anthem BCBS.
How does Universal Leaf Tobacco Company Inc's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Universal Leaf Tobacco Company Inc because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 1,000-4,999 participants that disclosed broker pay reported a median of $168,579.
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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.