Britten, Inc.
Updated Filing received by DOL
Britten, Inc., a manufacturing — metal, equipment, transportation employer in Traverse City, Michigan, reported 221 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows $1.3M in insurance premiums across 11 contracts and $56,646 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 February 10, 2026, before the deadline.
Who was paid on Britten, 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 Britten, Inc. filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Rebecca a McLaughlan · Troy, MI | $26,125 | $0 | $26,125 | 2 |
| Marsh McLennan Agency · Troy, MI | $16,607 | $4,806 | $21,413 | 11 |
| Christopher M Bouschet · Troy, MI | $9,055 | $0 | $9,055 | 2 |
| Thornhill, LLC · Parker, CO | $18 | $0 | $18 | 1 |
| Griffin, Steven Ray · Birmingham, AL | $7 | $0 | $7 | 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 |
|---|---|---|---|---|
| Blue Care Network of Michiganhealth, prescription drug, HMO | 262 | $1.2M | $36,460 | 3.1% |
| Delta Dental of Michigandental | 260 | $91,844 | $4,597 | 5.0% |
| Blue Cross Blue Shield of Michiganvision, PPO | 241 | $13,311 | $1,480 | 11.1% |
| Unum Life Insurance Company of Americashort-term disability | 54 | — | $3,336 | — |
| Unum Life Insurance Company of Americalong-term disability | 35 | — | $2,633 | — |
| Unum Life Insurance Company of Americalife | 230 | — | $965 | — |
| Unum Life Insurance Company of Americalife | 85 | — | $4,587 | — |
| Provident Life and Accident Insurance Companylife | 5 | — | $45 | — |
| Unum Insurance Companycoverage not coded | 36 | — | $1,467 | — |
| Unum Life Insurance Company of Americacoverage not coded | — | — | $1 | — |
| Unum Insurance Companycoverage not coded | 30 | — | $1,075 | — |
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 Britten, 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.
Premium per covered person on medical contracts: $4,426 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 | 240 | 221 | −7.9% |
| Premiums filed | $1,131,867 | $1,264,703 | +11.7% |
| Broker commissions + fees | $51,656 | $56,646 | +9.7% |
| Commission rate | 3.1% | 3.1% | +0.0 pts |
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 |
|---|---|---|---|---|
| Britten, Inc. Group Health & Welfare Benefits Plan#501 · insurance, general assets | August 31, 2025 | February 10, 2026 | before deadline | 221 |
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 Britten, Inc. pay in health insurance broker commissions in 2024?
Britten, Inc.'s 2024 Form 5500 reports $56,646 in broker commissions and fees across 11 insurance contracts ($51,840 in commissions, $4,806 in fees), with Rebecca a McLaughlan receiving the largest share.
Is Britten, 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 Blue Care Network of Michigan.
How does Britten, Inc.'s broker compensation compare with similar employers?
Britten, Inc. paid 3.1% of medical premium in commissions and fees. The median for employers with 200-499 participants is 3.6%, 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.