Dte Energy Corporate Services, LLC
Updated Filing received by DOL
Dte Energy Corporate Services, LLC, an utilities employer in Detroit, Michigan, reported 23,318 participants in its health and welfare plans for plan year 2024. Its Form 5500 shows $46M in insurance premiums across 14 contracts and $73,362 in broker commissions and fees, 0.1% 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 October 3, 2025, within the extension window.
Who was paid on Dte Energy Corporate Services, 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 Dte Energy Corporate Services, LLC filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Willis Towers Watson · New York, NY | $0 | $73,362 | $73,362 | 4 |
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, vision, prescription drug, HMO | 6,093 | $40M | $27,871 | 0.1% |
| Blue Care Network of Michiganhealth, vision, prescription drug, HMO | 745 | $4.9M | $3,408 | 0.1% |
| Prudential Insurance Company of Americacoverage not coded | 1,214 | $559,351 | — | — |
| Delta Dental of Michigandental, PPO | 107 | $31,399 | — | — |
| Lincoln National Life Insurance Companylong-term disability | 8,862 | — | $42,019 | — |
| Metropolitan Life Insurance Companylife | 42,859 | — | $64 | — |
| Metropolitan Life Insurance Companycoverage not coded | 10,250 | — | — | — |
| Health Alliance Planhealth, HMO | 1,714 | — | — | — |
| Priority Healthhealth, prescription drug, HMO | 583 | — | — | — |
| Health Alliance Planhealth, HMO | 664 | — | — | — |
| Priority Healthhealth, prescription drug, HMO | 219 | — | — | — |
| Aetna Life Insurance Companyhealth, prescription drug, PPO | 133 | — | — | — |
| Humana Insurance Companyhealth, PPO | 3,153 | — | — | — |
| Humana Insurance Company of New Yorkhealth, PPO | 2 | — | — | — |
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 Dte Energy Corporate Services, 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: $6,582 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 | 24,271 | 23,318 | −3.9% |
| Premiums filed | $49,622,416 | $45,600,306 | −8.1% |
| Broker commissions + fees | $77,119 | $73,362 | −4.9% |
| Commission rate | 0.1% | 0.1% | +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 |
|---|---|---|---|---|
| Dte Energy Company Comprehensive Non-Health Welfare Benefit Plan#523 · insurance, general assets, trust | December 31, 2024 | October 3, 2025 | within extension | 23,318 |
| Dte Energy Company Comprehensive Group Health Care Plan#522 · insurance, general assets | December 31, 2024 | October 3, 2025 | within extension | 9,332 |
| Dte Energy Company Comprehensive Retiree Group Health Care Plan#526 · insurance, general assets, trust | December 31, 2024 | October 3, 2025 | within extension | 5,105 |
| Dte Energy Retiree Reimbursement Arrangement Plan#528 · trust | December 31, 2024 | October 3, 2025 | within extension | 5,001 |
| Dte Supplemental Retiree Benefit Plan#527 · trust | December 31, 2024 | October 3, 2025 | within extension | 4,185 |
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 Dte Energy Corporate Services, LLC pay in health insurance broker commissions in 2024?
Dte Energy Corporate Services, LLC's 2024 Form 5500 reports $73,362 in broker commissions and fees across 14 insurance contracts ($0 in commissions, $73,362 in fees), with Willis Towers Watson receiving the largest share.
Is Dte Energy Corporate Services, LLC'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, Health Alliance Plan, Priority Health.
How does Dte Energy Corporate Services, LLC's broker compensation compare with similar employers?
Dte Energy Corporate Services, LLC paid 0.1% of medical premium in commissions and fees. The median for employers with 5,000+ participants is 4.8%, 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.