Wagstaff, Inc.
Updated Filing received by DOL
Wagstaff, Inc., a manufacturing — metal, equipment, transportation employer in Spokane Valley, Washington, reported 439 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows $507,815 in insurance premiums across 6 contracts and $37,166 in broker commissions and fees. The plan is self-funded (the employer pays claims itself). The Department of Labor received the filing on November 25, 2025, before the deadline.
Who was paid on Wagstaff, 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 Wagstaff, Inc. filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Mercer · Chicago, IL | $34,980 | $0 | $34,980 | 4 |
| Marsh McLennan Agency · Spokane, WA | $939 | $150 | $1,089 | 1 |
| Susan Lee Mensching · Coeur D Alene, ID | $862 | $0 | $862 | 1 |
| Lisa Michelle Hall · Coeur D Alene, ID | $75 | $0 | $75 | 1 |
| Roderick Allen Bair · Coeur D Alene, ID | $61 | $0 | $61 | 1 |
| Terry K. Allen · Otis Orchards, WA | $60 | $0 | $60 | 1 |
| Jordan Douglas Emmans · Spokane, WA | $39 | $0 | $39 | 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 |
|---|---|---|---|---|
| Delta Dental of Washingtondental | 843 | $507,815 | $12,706 | 2.5% |
| Federal Insurance Companycoverage not coded | 480 | — | $1,089 | — |
| Vision Service Planvision | 433 | — | $1,644 | — |
| Continental American Insurance Companycoverage not coded | 85 | — | $2,454 | — |
| Sun Life Assurance Company of Canadalife, short-term disability, long-term disability | 455 | — | $19,273 | — |
| Curalinc, LLC dba Curalinc Healthcarecoverage not coded | 421 | — | — | — |
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 Wagstaff, 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 | 443 | 439 | −0.9% |
| Premiums filed | $523,894 | $507,815 | −3.1% |
| Broker commissions + fees | $41,714 | $37,166 | −10.9% |
| 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 |
|---|---|---|---|---|
| Wagstaff, Inc. Employee Welfare Plan#508 · insurance, general assets | May 31, 2025 | November 25, 2025 | before deadline | 439 |
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 Wagstaff, Inc. pay in health insurance broker commissions in 2024?
Wagstaff, Inc.'s 2024 Form 5500 reports $37,166 in broker commissions and fees across 6 insurance contracts ($37,016 in commissions, $150 in fees), with Mercer receiving the largest share.
Is Wagstaff, Inc.'s health plan self-funded or fully insured?
The 2024 filing indicates the plan is self-funded (the employer pays claims itself).
How does Wagstaff, Inc.'s broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Wagstaff, Inc. because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 200-499 participants that disclosed broker pay reported a median of $77,013.
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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.