Class Valuation, LLC
Updated Filing received by DOL
Class Valuation, LLC, a real estate & rental employer in Troy, Michigan, reported 583 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $6.5M in insurance premiums across 10 contracts and $218,469 in broker commissions and fees, 1.6% 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 15, 2026, before the deadline.
Who was paid on Class Valuation, 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 Class Valuation, LLC filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Marsh McLennan Agency · Troy, MI | $104,737 | $16,691 | $121,428 | 10 |
| Christopher M Bouschet · Troy, MI | $56,271 | $0 | $56,271 | 1 |
| Rebecca a McLaughlan · Troy, MI | $36,045 | $0 | $36,045 | 1 |
| Tracy Katz LLC · Birmingham, MI | $1,604 | $0 | $1,604 | 1 |
| Kaufman Insurance & Financial Group · Farmington Hills, MI | $22 | $0 | $22 | 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 | 935 | $6.2M | $97,728 | 1.6% |
| Delta Dental of Michigandental | 873 | $315,795 | $29,086 | 9.2% |
| Eyemed Vision Carevision | 786 | — | $8,341 | — |
| Unum Life Insurance Company of Americalife, short-term disability | 604 | — | $20,351 | — |
| Unum Life Insurance Company of Americalong-term disability | 83 | — | $16,434 | — |
| Unum Life Insurance Company of Americalife | 279 | — | $26,120 | — |
| Unum Insurance Companycoverage not coded | 173 | — | $6,229 | — |
| Unum Insurance Companycoverage not coded | 151 | — | $7,078 | — |
| Pre-Paid Legal Services Inc dba Legalshieldcoverage not coded | 58 | — | $2,818 | — |
| Unum Insurance Companycoverage not coded | 122 | — | $4,284 | — |
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 Class Valuation, 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: $6,608 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 | 546 | 583 | +6.8% |
| Premiums filed | $5,956,728 | $6,494,550 | +9.0% |
| Broker commissions + fees | $270,786 | $218,469 | −19.3% |
| Commission rate | 2.9% | 1.6% | −1.3 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 |
|---|---|---|---|---|
| Class Valuation Health and Welfare Plan#501 · insurance, general assets | December 31, 2025 | May 15, 2026 | before deadline | 583 |
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 Class Valuation, LLC pay in health insurance broker commissions in 2025?
Class Valuation, LLC's 2025 Form 5500 reports $218,469 in broker commissions and fees across 10 insurance contracts ($201,778 in commissions, $16,691 in fees), with Marsh McLennan Agency receiving the largest share.
Is Class Valuation, 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 Class Valuation, LLC's broker compensation compare with similar employers?
Class Valuation, LLC paid 1.6% of medical premium in commissions and fees. The median for employers with 500-999 participants is 2.7%, 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.