Plan Ledger DOL Form 5500 · updated monthly

Panera, LLCbenefits

Panera, LLC Welfare Benefit Plan · FENTON, MO · plan year 2025

Broker compensation reported · 2025
$564,057

Panera, LLC's benefits plans covered 42,920 active participants in 2025, providing health · life · dental · vision · short-term disability · long-term disability · other. Insurance premiums totaled $736,786. Insurance brokers and agents were paid $564,057 in commissions and fees, costs that ultimately come out of what the employer and employees pay for coverage. That works out to 76.6% of premiums. That is $13 per covered person, in the bottom quarter of employer plans that report broker pay. Broker pay fell 32% from $825,849 in 2024.

Insurance contracts · 202518
VISION SERVICE PLAN · vision$737K · 5,531 covered
RELIANCE STANDARD LIFE INSURANCE COMPANY · lifepremiums n/a · 15,714 covered
HEALTHY ALLIANCE LIFE INSURANCE COMPANY · stop-losspremiums n/a · 8,262 covered
KAISER FOUNDATION HEALTH PLAN INC · healthpremiums n/a · 70 covered
KAISER FOUNDATION HEALTH PLAN INC. · healthpremiums n/a · 94 covered
AMERICAN HERITAGE LIFE INSURANCE COMPANY · healthpremiums n/a · 460 covered
METROPOLITAN LIFE INSURANCE COMPANY · lifepremiums n/a · 62 covered
METLIFE LEGAL PLANSpremiums n/a · 664 covered
SHELTERPOINT LIFE INSURANCE COMPANYpremiums n/a · 2,690 covered
CURALINC, LLCpremiums n/a · 42,920 covered
AMERICAN HERITAGE LIFE INSURANCE COMPANY · lifepremiums n/a · 25 covered
RELIANCE STANDARD LIFE INSURANCE COMPANY · ltdpremiums n/a · 3,430 covered
RELIANCE STANDARD LIFE INSURANCE COMPANY · ltdpremiums n/a · 2,645 covered
RELIANCE STANDARD LIFE INSURANCE COMPANYpremiums n/a · 14,010 covered
AMERICAN HERITAGE LIFE INSURANCE COMPANYpremiums n/a · 2,227 covered
AMERICAN HERITAGE LIFE INSURANCE COMPANYpremiums n/a · 2,447 covered
AMERICAN HERITAGE LIFE INSURANCE COMPANYpremiums n/a · 1,547 covered
Brokers & agents paid · 20257
REUBEN WARNER ASSOCIATES$12,943
BUCK GLOBAL LLC$11,020 · incl $11,020 fees
GALLAGHER BENEFIT SERVICES INC$11,139 · incl $11,139 fees
GALLAGHER BENEFIT SERVICES INC.$9,288 · incl $9,288 fees
BUCK GLOBAL, LLC$518,538 · incl $189,233 fees
ACS HUMAN RESOURCE SOLUTIONS INC$659 · incl $659 fees
BENEFIT FOCUS$470 · incl $470 fees
Also brokered by Reuben Warner Associates3

Why are you looking at this plan?

More

Source: DOL Form 5500 Schedule A, plan year 2025, EIN 043212828 · Verify on EFAST2 · Amounts are as reported by the plan sponsor.