CNS Healthcare
Updated Filing received by DOL
CNS Healthcare, a healthcare & social assistance employer in Novi, Michigan, reported 385 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $333,751 in insurance premiums across 6 contracts and $83,794 in broker commissions and fees. The plan is self-funded (the employer pays claims itself). The Department of Labor received the filing on July 24, 2026, before the deadline.
Who was paid on CNS Healthcare's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract CNS Healthcare filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Lockton · Kansas City, MO | $51,101 | $14,483 | $65,584 | 8 |
| Elaine C. Coffman · Birmingham, MI | $16,523 | $0 | $16,523 | 1 |
| Scott W. Davidson · Northville, MI | $1,199 | $0 | $1,199 | 1 |
| Hilary R. Ebner · Beverly Hills, MI | $240 | $0 | $240 | 1 |
| Kimberley Marie McNulty · Saint Clair Shores, MI | $124 | $0 | $124 | 1 |
| Shaun Michael Klug · Benton Harbor, MI | $104 | $0 | $104 | 1 |
| Preventive Services, PLLC · Rochester Hills, MI | $21 | $0 | $21 | 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 Michigandental | 719 | $333,751 | $17,606 | 5.3% |
| Continental American Insurance Companycoverage not coded | 165 | — | $18,612 | — |
| Eyemed Vision Care on Behalf of Fidelity Security Life Insurance Co.vision | 736 | — | $6,601 | — |
| Metropolitan Life Insurance Companylife, short-term disability, long-term disability | 605 | — | $40,856 | — |
| Pre-Paid Legal Services Inc dba Legalshieldcoverage not coded | 17 | — | $119 | — |
| Ulliance, Inc.coverage not coded | 440 | — | — | — |
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 CNS Healthcare 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 | 385 | 385 | +0.0% |
| Premiums filed | $330,830 | $333,751 | +0.9% |
| Broker commissions + fees | $57,758 | $83,794 | +45.1% |
| 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 |
|---|---|---|---|---|
| Welfare Plan of CNS Healthcare#505 · insurance, general assets | December 31, 2025 | July 24, 2026 | before deadline | 385 |
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 CNS Healthcare pay in health insurance broker commissions in 2025?
CNS Healthcare's 2025 Form 5500 reports $83,794 in broker commissions and fees across 6 insurance contracts ($69,311 in commissions, $14,483 in fees), with Lockton receiving the largest share.
Is CNS Healthcare's health plan self-funded or fully insured?
The 2025 filing indicates the plan is self-funded (the employer pays claims itself).
How does CNS Healthcare's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for CNS Healthcare because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 200-499 participants that disclosed broker pay reported a median of $77,013.
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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.