Chelsea Milling Company
Updated Filing received by DOL
Chelsea Milling Company, a manufacturing — food & textile employer in Chelsea, Michigan, reported 560 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $1.4M in insurance premiums across 7 contracts and $226,396 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on September 2, 2026, within the extension window.
Who was paid on Chelsea Milling Company's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Chelsea Milling Company filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Marsh McLennan Agency · Boston, MA | $134,874 | $91,364 | $226,238 | 7 |
| Voluntary Solutions Inc · Brighton, CO | $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 |
|---|---|---|---|---|
| Rxbenefits Incprescription drug | 238 | $1.0M | — | — |
| Delta Dental of Michigandental | 753 | $279,342 | $31,147 | 11.2% |
| Vision Service Planvision | 445 | $49,112 | $1,670 | 3.4% |
| Reliance Standard Life Insurance Companylife, short-term disability, long-term disability | 577 | — | $66,513 | — |
| Unum Life Insurance Company of Americacoverage not coded | 12 | — | $353 | — |
| Symetra Life Insurance Companystop-loss | 411 | — | $75,377 | — |
| Blue Cross Blue Shield Michiganhealth | 411 | — | $51,336 | — |
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 Chelsea Milling Company 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
| 2024 | 2025 | Change | |
|---|---|---|---|
| Participants | 556 | 560 | +0.7% |
| Premiums filed | $1,246,253 | $1,376,774 | not comparable |
| Broker commissions + fees | $143,154 | $226,396 | +58.1% |
| Commission rate | — | — | — |
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 |
|---|---|---|---|---|
| Chelsea Milling Company Employee Health Benefit Plan#501 · insurance, general assets | December 31, 2025 | September 2, 2026 | within extension | 560 |
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 Chelsea Milling Company pay in health insurance broker commissions in 2025?
Chelsea Milling Company's 2025 Form 5500 reports $226,396 in broker commissions and fees across 7 insurance contracts ($135,032 in commissions, $91,364 in fees), with Marsh McLennan Agency receiving the largest share.
Is Chelsea Milling Company'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 Michigan.
How does Chelsea Milling Company's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Chelsea Milling Company because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 500-999 participants that disclosed broker pay reported a median of $104,902.
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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.