Crisis Center, Inc.
Updated Filing received by DOL
Crisis Center, Inc., a healthcare & social assistance employer in Mount Pleasant, Michigan, reported 158 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows $984,142 in insurance premiums across 5 contracts and $48,155 in broker commissions and fees, 4.6% 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 March 2, 2026, before the deadline.
Who was paid on Crisis Center, 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 Crisis Center, Inc. filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Kevin D. Cumings · Sterling Heights, MI | $42,122 | $0 | $42,122 | 1 |
| Brown & Brown · Grand Rapids, MI | $4,401 | $1,345 | $5,746 | 5 |
| Strategic Non-Medical Solution · Atlanta, MA | $0 | $287 | $287 | 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 | 123 | $936,701 | $43,367 | 4.6% |
| Delta Dental of Michigandental | 130 | $47,441 | $3,180 | 6.7% |
| Unum Life Insurance Company of Americalife | 165 | — | $960 | — |
| Unum Life Insurance Company of Americalife | 165 | — | — | — |
| Vision Service Planvision | 100 | — | $648 | — |
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 Crisis Center, 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: $7,615 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 | 154 | 158 | +2.6% |
| Premiums filed | $679,848 | $984,142 | +44.8% |
| Broker commissions + fees | $36,413 | $48,155 | +32.2% |
| Commission rate | 5.1% | 4.6% | −0.5 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 |
|---|---|---|---|---|
| Crisis Center, Inc. dba Listening Ear Crisis Center Health and Welfare Plan#501 · insurance, general assets | September 30, 2025 | March 2, 2026 | before deadline | 158 |
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 Crisis Center, Inc. pay in health insurance broker commissions in 2024?
Crisis Center, Inc.'s 2024 Form 5500 reports $48,155 in broker commissions and fees across 5 insurance contracts ($46,523 in commissions, $1,632 in fees), with Kevin D. Cumings receiving the largest share.
Is Crisis Center, 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 Crisis Center, Inc.'s broker compensation compare with similar employers?
Crisis Center, Inc. paid 4.6% of medical premium in commissions and fees. The median for employers with 100-199 participants is 4.2%, 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.