Engineered Protection Systems, Inc
Updated Filing received by DOL
Engineered Protection Systems, Inc, an administrative & support services employer in Grand Rapids, Michigan, reported 237 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $2.1M in insurance premiums across 4 contracts and $95,417 in broker commissions and fees, 3.6% 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 August 19, 2026, within the extension window.
Who was paid on Engineered Protection Systems, 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 Engineered Protection Systems, Inc filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Kevin D. Cumings · Sterling Heights, MI | $62,486 | $0 | $62,486 | 1 |
| Brown & Brown · ST. Petersburg, FL | $27,129 | $2,401 | $29,530 | 4 |
| Strategic Non-Medical Solutions LLC · Boston, MA | $0 | $3,401 | $3,401 | 1 |
| Agent Commission | $0 | $0 | $0 | 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 Care Network of Michiganhealth, prescription drug, HMO | 399 | $2.0M | $71,311 | 3.6% |
| Delta Dental of Michigandental | 455 | $163,605 | $7,765 | 4.7% |
| Equitable Financial Life Insurance Company of Americalife, long-term disability | 235 | — | $14,041 | — |
| Eyemed Vision Care (fidelity Security Life Insurance Company)vision | 415 | — | $2,300 | — |
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 Engineered Protection Systems, 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: $4,916 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 | 169 | 237 | +40.2% |
| Premiums filed | $1,878,057 | $2,125,213 | +13.2% |
| Broker commissions + fees | $64,457 | $95,417 | +48.0% |
| Commission rate | 2.7% | 3.6% | +1.0 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 |
|---|---|---|---|---|
| Engineered Protection Systems, Inc. Welfare Benefit Plan#502 · insurance, general assets | December 31, 2025 | August 19, 2026 | within extension | 237 |
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 Engineered Protection Systems, Inc pay in health insurance broker commissions in 2025?
Engineered Protection Systems, Inc's 2025 Form 5500 reports $95,417 in broker commissions and fees across 4 insurance contracts ($89,615 in commissions, $5,802 in fees), with Kevin D. Cumings receiving the largest share.
Is Engineered Protection Systems, Inc'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 Care Network of Michigan.
How does Engineered Protection Systems, Inc's broker compensation compare with similar employers?
Engineered Protection Systems, Inc paid 3.6% of medical premium in commissions and fees. The median for employers with 200-499 participants is 3.6%, 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.