A123 Systems, LLC
Updated Filing received by DOL
A123 Systems, LLC, a manufacturing — metal, equipment, transportation employer in Novi, Michigan, reported 112 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $1.4M in insurance premiums across 9 contracts and $59,718 in broker commissions and fees, 3.1% of medical premium against a national median of 3.8% among plans that paid commissions in plan year 2024. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on May 13, 2026, before the deadline.
Who was paid on A123 Systems, LLC's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract A123 Systems, LLC filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Boston Benefit Partners, an Alera · Boston, MA | $54,181 | $4,005 | $58,186 | 9 |
| Alera Group Inc · Deerfield, IL | $0 | $1,374 | $1,374 | 5 |
| Mattar Financial Corporation · Troy, MI | $158 | $0 | $158 | 1 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2025, as published in EBSA's 2025 "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 |
|---|---|---|---|---|
| Blue Cross Blue Shield of Michiganhealth, prescription drug, PPO | 151 | $1.4M | $42,288 | 3.1% |
| Delta Dental of Michigandental | 148 | $84,359 | $3,382 | 4.0% |
| Fidelity Security Life Insurance Companyvision | 139 | — | $923 | — |
| Reliance Standard Life Insurance Companylife | 86 | — | $2,775 | — |
| Reliance Standard Life Insurance Companyshort-term disability | 84 | — | $2,781 | — |
| Reliance Standard Life Insurance Companylong-term disability | 84 | — | $3,327 | — |
| Unum Life Insurance Company of Americacoverage not coded | 64 | — | $3,408 | — |
| Reliance Standard Life Insurance Companycoverage not coded | 43 | — | $562 | — |
| Reliance Standard Life Insurance Companycoverage not coded | 86 | — | $272 | — |
Source: DOL Form 5500 Schedule A, plan year 2025. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How A123 Systems, LLC 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.
Premium per covered person on medical contracts: $9,027 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
| 2024 | 2025 | Change | |
|---|---|---|---|
| Participants | 112 | 112 | +0.0% |
| Premiums filed | $1,505,087 | $1,447,391 | −3.8% |
| Broker commissions + fees | $64,715 | $59,718 | −7.7% |
| Commission rate | 3.2% | 3.1% | −0.1 pts |
Source: DOL Form 5500 filings for plan years 2024 and 2025.
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 |
|---|---|---|---|---|
| A123 Systems LLC Employee Benefits Plan#501 · insurance, general assets | December 31, 2025 | May 13, 2026 | before deadline | 112 |
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 A123 Systems, LLC pay in health insurance broker commissions in 2025?
A123 Systems, LLC's 2025 Form 5500 reports $59,718 in broker commissions and fees across 9 insurance contracts ($54,339 in commissions, $5,379 in fees), with Boston Benefit Partners, an Alera receiving the largest share.
Is A123 Systems, LLC's health plan self-funded or fully insured?
The 2025 filing indicates the plan is a mix of insured and self-funded coverage. Medical coverage is written by Blue Cross Blue Shield of Michigan.
How does A123 Systems, LLC's broker compensation compare with similar employers?
A123 Systems, LLC paid 3.1% of medical premium in commissions and fees. The median for employers with 100-199 participants is 4.2%, and the median in Michigan is 3.2%. Percentages are computed only on fully insured medical contracts with filed premiums.
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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.