Belfor USA Group, Inc.
Updated Filing received by DOL
Belfor USA Group, Inc., a construction employer in Birmingham, Michigan, reported 4,057 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows 7 insurance contracts with no premium reported and $497,599 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on January 16, 2026, before the deadline.
Who was paid on Belfor USA Group, 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 Belfor USA Group, Inc. filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Brown & Brown · Troy, MI | $372,306 | $35,246 | $407,552 | 5 |
| Robert C. Bradley · Manasquan, NJ | $89,236 | $0 | $89,236 | 1 |
| Benefit Communications, Inc. · Nashville, TN | $427 | $0 | $427 | 2 |
| Marsh McLennan Agency · Troy, MI | $320 | $0 | $320 | 2 |
| Christopher Robert Morris · Nashville, TN | $64 | $0 | $64 | 2 |
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 |
|---|---|---|---|---|
| Kaiser Foundation Health Plan, Inc.health, dental, vision, prescription drug, HMO | 39 | — | $9,514 | — |
| Dentegra Insurance Companydental | 845 | — | — | — |
| Eyemed Vision Care on Behalf of Fidelity Security Life Insurance Co.vision | 2,827 | — | $15,493 | — |
| First Unum Life Insurance Companylife | 9 | — | $1,518 | — |
| Unum Insurance Companycoverage not coded | 645 | — | $23,528 | — |
| Employee Network, Inc.coverage not coded | 3,937 | — | — | — |
| Unum Life Insurance Company of Americalife, short-term disability, long-term disability | 3,153 | — | $447,546 | — |
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 Belfor USA Group, 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 | 2,980 | 4,057 | +36.1% |
| Premiums filed | $0 | $0 | not comparable |
| Broker commissions + fees | $510,747 | $497,599 | −2.6% |
| 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 |
|---|---|---|---|---|
| Belfor USA Group, Inc. Welfare Benefit Plan#502 · insurance, general assets | July 31, 2025 | January 16, 2026 | before deadline | 4,057 |
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 Belfor USA Group, Inc. pay in health insurance broker commissions in 2024?
Belfor USA Group, Inc.'s 2024 Form 5500 reports $497,599 in broker commissions and fees across 7 insurance contracts ($462,353 in commissions, $35,246 in fees), with Brown & Brown receiving the largest share.
Is Belfor USA Group, 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 Kaiser Foundation Health Plan, Inc..
How does Belfor USA Group, Inc.'s broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Belfor USA Group, 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.