Macomb-Oakland Regional Center, Inc.
Updated Filing received by DOL
Macomb-Oakland Regional Center, Inc., a healthcare & social assistance employer in Clinton TWP, Michigan, reported 253 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows $2.2M in insurance premiums across 2 contracts and $197,207 in broker commissions and fees, 8.9% 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 July 14, 2025, before the deadline.
Who was paid on Macomb-Oakland Regional Center, 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 Macomb-Oakland Regional Center, Inc. filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Rebecca a McLaughlan · Troy, MI | $188,370 | $0 | $188,370 | 2 |
| Marsh McLennan Agency · Troy, MI | $0 | $8,837 | $8,837 | 2 |
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, prescription drug, HMO | 260 | $1.3M | $147,038 | 11.6% |
| Blue Cross Blue Shield of Michiganhealth, prescription drug, PPO | 154 | $947,044 | $50,169 | 5.3% |
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 Macomb-Oakland Regional Center, 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: $5,348 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 | 257 | 253 | −1.6% |
| Premiums filed | $2,582,654 | $2,214,052 | −14.3% |
| Broker commissions + fees | $43,118 | $197,207 | +357.4% |
| Commission rate | 1.7% | 8.9% | +7.2 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 |
|---|---|---|---|---|
| Macomb-Oakland Regional Center, Inc. Health and Welfare Benefit Plan#502 · final filing · insurance, general assets | December 31, 2024 | July 14, 2025 | before deadline | 253 |
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 Macomb-Oakland Regional Center, Inc. pay in health insurance broker commissions in 2024?
Macomb-Oakland Regional Center, Inc.'s 2024 Form 5500 reports $197,207 in broker commissions and fees across 2 insurance contracts ($188,370 in commissions, $8,837 in fees), with Rebecca a McLaughlan receiving the largest share.
Is Macomb-Oakland Regional Center, Inc.'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, Blue Cross Blue Shield of Michigan.
How does Macomb-Oakland Regional Center, Inc.'s broker compensation compare with similar employers?
Macomb-Oakland Regional Center, Inc. paid 8.9% 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.