English Gardens Group Inc
Updated Filing received by DOL a plan year 2025 filing was received July 29, 2026 for 1 of this employer's 1 plans; this record moves to 2025 when all have arrived
English Gardens Group Inc, a retail — stores, food, auto, clothing employer in Dearborn Heights, Michigan, reported 344 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows $1.1M in insurance premiums across 7 contracts and $59,821 in broker commissions and fees, 3.9% of medical premium against a national median of 3.8% among plans that paid commissions in plan year 2024. The plan is fully insured (an insurance carrier pays claims). The Department of Labor received the filing on August 4, 2025, 4 days after the base deadline with no extension indicated on the form.
Who was paid on English Gardens Group 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 English Gardens Group Inc filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Meadowbrook Inc · Southfield, MI | $26,681 | $0 | $26,681 | 3 |
| Sheeran David N · Southfield, MI | $18,804 | $0 | $18,804 | 1 |
| Gallagher · Rolling Meadows, IL | $13,507 | $0 | $13,507 | 1 |
| Tracy Katz LLC · Birmingham, MI | $456 | $0 | $456 | 1 |
| Stava, Hans Peter · Southfield, MI | $161 | $0 | $161 | 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 |
|---|---|---|---|---|
| Priority Healthhealth, prescription drug | 95 | $470,091 | $18,804 | 4.0% |
| Blue Care Network of Michiganhealth, prescription drug | 61 | $353,729 | $15,819 | 4.5% |
| Principal Life Insurance Companydental, vision, life, short-term disability, long-term disability, PPO | 214 | $158,819 | $24,369 | 15.3% |
| Blue Cross and Blue Shield of Michiganhealth, prescription drug | 5 | $61,459 | — | — |
| Blue Care Network of Michiganhealth, prescription drug | 1 | $4,729 | $212 | — |
| American Fidelity Assurance Companyshort-term disability | 13 | $1,340 | $161 | — |
| Pre-Paid Legal Services Inc dba Legalshieldcoverage not coded | 20 | — | $456 | — |
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 English Gardens Group 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: $5,494 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 | 352 | 344 | −2.3% |
| Premiums filed | $967,965 | $1,050,167 | +8.5% |
| Broker commissions + fees | $14,475 | $59,821 | +313.3% |
| Commission rate | 1.7% | 3.9% | +2.2 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 |
|---|---|---|---|---|
| English Gardens Group Inc. Flexible Benefit Plan#501 · insurance | December 31, 2024 | August 4, 2025 | 4 days after deadline, no extension indicated | 344 |
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 English Gardens Group Inc pay in health insurance broker commissions in 2024?
English Gardens Group Inc's 2024 Form 5500 reports $59,821 in broker commissions and fees across 7 insurance contracts ($59,821 in commissions, $0 in fees), with Meadowbrook Inc receiving the largest share.
Is English Gardens Group Inc's health plan self-funded or fully insured?
The 2024 filing indicates the plan is fully insured (an insurance carrier pays claims). Medical coverage is written by Priority Health, Blue Care Network of Michigan, Blue Cross and Blue Shield of Michigan.
How does English Gardens Group Inc's broker compensation compare with similar employers?
English Gardens Group Inc paid 3.9% 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.