Plan Ledger DOL Form 5500 · updated monthly

Garmat USA LLCbenefits

Garmat USA Health and Welfare Plan · ENGLEWOOD, CO · plan year 2025

Broker compensation reported · 2025
$74,586

Garmat USA LLC's benefits plans covered 150 active participants in 2025, providing health · life · dental · vision · short-term disability · long-term disability · death benefits. Insurance brokers and agents were paid $74,586 in commissions and fees, costs that ultimately come out of what the employer and employees pay for coverage. That is $497 per covered person, in the top quarter of employer plans that report broker pay. Broker pay rose 17% from $63,841 in 2024.

Insurance contracts · 20252
COMMUNITY INSURANCE COMPANY · health drug ppopremiums n/a · 181 covered
SUN LIFE ASSURANCE COMPANY OF CANADA · dental vision life std ltdpremiums n/a · 226 covered
Brokers & agents paid · 20252
JAMES B. OSWALD COMPANY$64,636 · incl $6,382 fees
CENTRO BENEFITS RESEARCH, LLC$9,950 · incl $9,950 fees
Also brokered by James B. Oswald Company5

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Source: DOL Form 5500 Schedule A, plan year 2025, EIN 455123818 · Verify on EFAST2 · Amounts are as reported by the plan sponsor.