Melling Tool Company
Updated Filing received by DOL
Melling Tool Company, a manufacturing — metal, equipment, transportation employer in Jackson, Michigan, reported 465 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows $226,144 in insurance premiums across 6 contracts and $90,976 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on April 7, 2026, within the extension window.
Who was paid on Melling Tool Company's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Melling Tool Company filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Berends Hendricks Stuit Ins Agency · Grandville, MI | $66,725 | $20,070 | $86,795 | 5 |
| NFP · West Lake Hills, TX | $0 | $4,181 | $4,181 | 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 |
|---|---|---|---|---|
| Delta Dental of Michigandental | 730 | $226,144 | $6,909 | 3.1% |
| Eyemed Vision Care on Behalf of Fidelity Security Life Insurance Co.vision | 572 | — | $3,722 | — |
| Regence Blueshieldhealth, prescription drug, PPO | 469 | — | — | — |
| Humana Insurance Companyhealth, prescription drug, PPO | 77 | — | $7,681 | — |
| Wellmark of South Dakota, Inc.health, PPO | 469 | — | — | — |
| United of Omaha Life Insurance Companylife, short-term disability, long-term disability | 469 | — | $72,664 | — |
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 Melling Tool Company 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.
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 | 475 | 465 | −2.1% |
| Premiums filed | $226,081 | $226,144 | not comparable |
| Broker commissions + fees | $83,588 | $90,976 | +8.8% |
| Commission rate | — | — | — |
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 |
|---|---|---|---|---|
| Melling Employees Health Plan#502 · insurance, general assets | June 30, 2025 | April 7, 2026 | within extension | 465 |
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 Melling Tool Company pay in health insurance broker commissions in 2024?
Melling Tool Company's 2024 Form 5500 reports $90,976 in broker commissions and fees across 6 insurance contracts ($66,725 in commissions, $24,251 in fees), with Berends Hendricks Stuit Ins Agency receiving the largest share.
Is Melling Tool Company'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 Regence Blueshield, Humana Insurance Company, Wellmark of South Dakota, Inc..
How does Melling Tool Company's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Melling Tool Company 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.