Helm43 LLC dba Helm
Updated Filing received by DOL
Helm43 LLC dba Helm, a manufacturing — chemical, wood, plastics employer in Plymouth, Michigan, reported 302 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $3.5M in insurance premiums across 7 contracts and $133,861 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on June 25, 2026, before the deadline.
Who was paid on Helm43 LLC dba Helm's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Helm43 LLC dba Helm filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Christopher M Bouschet · Troy, MI | $56,760 | $0 | $56,760 | 2 |
| Rebecca a McLaughlan · Troy, MI | $40,212 | $0 | $40,212 | 2 |
| Marsh McLennan Agency · Troy, MI | $27,676 | $4,938 | $32,614 | 6 |
| McLaughlan, Rebecca · Troy, MI | $2,476 | $0 | $2,476 | 1 |
| Bouschet, Christopher · Troy, MI | $1,800 | $0 | $1,800 | 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. Where Part I rows added up to more than the contract's Schedule A total, they were scaled down to that total. 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 Cross Blue Shield of Michiganhealth, prescription drug, PPO | 244 | $2.5M | $75,167 | 3.0% |
| Blue Care Network of Michiganhealth, prescription drug, HMO | 125 | $785,374 | $23,963 | 3.1% |
| Delta Dental of Michigandental | 440 | $154,006 | $7,274 | 4.7% |
| Delta Dental of Michigandental | 20 | $6,605 | $317 | — |
| Priority Healthhealth, prescription drug | 15 | — | $4,276 | — |
| Vision Service Planvision | 199 | — | $2,406 | — |
| United of Omaha Life Insurance Companylife, short-term disability, long-term disability | 320 | — | $20,458 | — |
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 Helm43 LLC dba Helm 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: $8,919 a year (national median $7,274).
Source: BenefitsLedger benchmarks from 58,547 employer health plans with 100 or more participants, plan year 2024. Methodology.
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 |
|---|---|---|---|---|
| Helm Welfare Benefits Plan#506 · insurance, general assets | December 31, 2025 | June 25, 2026 | before deadline | 302 |
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 Helm43 LLC dba Helm pay in health insurance broker commissions in 2025?
Helm43 LLC dba Helm's 2025 Form 5500 reports $133,861 in broker commissions and fees across 7 insurance contracts ($128,923 in commissions, $4,938 in fees), with Christopher M Bouschet receiving the largest share.
Is Helm43 LLC dba Helm'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 Cross Blue Shield of Michigan, Blue Care Network of Michigan, Priority Health.
How does Helm43 LLC dba Helm's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Helm43 LLC dba Helm because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 200-499 participants that disclosed broker pay reported a median of $77,013.
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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.