Faac, Inc./Arotech
Updated Filing received by DOL
Faac, Inc./Arotech, a professional & technical services employer in Ann Arbor, Michigan, reported 559 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $5.6M in insurance premiums across 10 contracts and $267,079 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on July 7, 2026, before the deadline.
Who was paid on Faac, Inc./Arotech's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Faac, Inc./Arotech filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Kapnick & Company Inc. · Adrian, MI | $123,724 | $31,929 | $155,653 | 17 |
| Katherine C Wood · Ann Arbor, MI | $77,096 | $0 | $77,096 | 2 |
| Gis Benefits Inc. · Morris, IL | $26,972 | $5,380 | $32,352 | 4 |
| Various Agents- See Attached · Adrian, MI | $1,978 | $0 | $1,978 | 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 | 702 | $5.0M | $78,181 | 1.6% |
| Delta Dental of Michigandental | 837 | $376,035 | $37,210 | 9.9% |
| Blue Cross Blue Shield of Michiganhealth, prescription drug, PPO | 29 | $211,894 | $3,847 | 1.8% |
| Metropolitan Life Insurance Companyvision | 702 | — | $3,935 | — |
| Metropolitan Life Insurance Companylife, short-term disability, long-term disability | 700 | — | $115,724 | — |
| Shelterpoint Life Insurance Companycoverage not coded | 44 | — | $1,978 | — |
| Metropolitan Life Insurance Companycoverage not coded | 82 | — | $8,684 | — |
| Metropolitan Life Insurance Companyhealth | 133 | — | $6,072 | — |
| Metropolitan Life Insurance Companyhealth | 76 | — | $4,581 | — |
| Kaiser Foundation Health Plan, Inc.health | 12 | — | $6,867 | — |
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 Faac, Inc./Arotech 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.
Premium per covered person on medical contracts: $7,105 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 | 545 | 559 | +2.6% |
| Premiums filed | $4,923,343 | $5,569,701 | not comparable |
| Broker commissions + fees | $259,577 | $267,079 | +2.9% |
| 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 |
|---|---|---|---|---|
| Faac, Inc./Arotech Employee Benefit Plan#501 · insurance, general assets | December 31, 2025 | July 7, 2026 | before deadline | 559 |
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 Faac, Inc./Arotech pay in health insurance broker commissions in 2025?
Faac, Inc./Arotech's 2025 Form 5500 reports $267,079 in broker commissions and fees across 10 insurance contracts ($229,770 in commissions, $37,309 in fees), with Kapnick & Company Inc. receiving the largest share.
Is Faac, Inc./Arotech'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, Blue Cross Blue Shield of Michigan, Metropolitan Life Insurance Company.
How does Faac, Inc./Arotech's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Faac, Inc./Arotech because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 500-999 participants that disclosed broker pay reported a median of $104,902.
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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.