White Castle System, Inc.
Updated Filing received by DOL a plan year 2025 filing was received July 1, 2026 for 1 of this employer's 2 plans; this record moves to 2025 when all have arrived
White Castle System, Inc., an accommodation & food services employer in Columbus, Ohio, reported 2,270 participants in its health and welfare plans for plan year 2024. Its Form 5500 shows $1.2M in insurance premiums across 6 contracts and $623,173 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on June 3, 2025, before the deadline.
Who was paid on White Castle System, 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 White Castle System, Inc. filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Aon · Chicago, IL | $367,188 | $251,979 | $619,167 | 4 |
| Jennifer N Buck · Pecatonica, IL | $4,006 | $0 | $4,006 | 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 |
|---|---|---|---|---|
| Medical Mutualhealth, prescription drug | 183 | $1.2M | $48,758 | 4.0% |
| Aetna Life Insurance Co.health | 333 | — | — | — |
| Unitedhealthcare Insurance Companyhealth | 404 | — | $203,584 | — |
| Cigna Health and Life Insurance Company and Affiliates (cigna)health, indemnity | 121 | — | $48,348 | — |
| Community Insurance Company(g1728)health, PPO | 1,830 | — | $318,477 | — |
| Priority Health Insurance Companyhealth | 14 | — | $4,006 | — |
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 White Castle System, 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.
Premium per covered person on medical contracts: $6,648 a year (national median $7,274).
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 | 2,617 | 2,270 | −13.3% |
| Premiums filed | $386,711 | $1,216,591 | not comparable |
| Broker commissions + fees | $592,553 | $623,173 | +5.2% |
| 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 |
|---|---|---|---|---|
| White Castle System, Inc. Group Life, Hospital, Surgical and Major Medical#501 · insurance | December 31, 2024 | June 3, 2025 | before deadline | 2,270 |
| White Castle System, Inc. Welfare Benefit Direct Reimbursement Plan#508 · trust | December 31, 2024 | October 14, 2025 | within extension | 2,119 |
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 White Castle System, Inc. pay in health insurance broker commissions in 2024?
White Castle System, Inc.'s 2024 Form 5500 reports $623,173 in broker commissions and fees across 6 insurance contracts ($371,194 in commissions, $251,979 in fees), with Aon receiving the largest share.
Is White Castle System, 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 Medical Mutual, Aetna Life Insurance Co., Unitedhealthcare Insurance Company.
How does White Castle System, Inc.'s broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for White Castle System, 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.