Michigan Atf Holdings, LLC
Updated Filing received by DOL
Michigan Atf Holdings, LLC, a manufacturing — metal, equipment, transportation employer in Romulus, Michigan, reported 444 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $3.0M in insurance premiums across 5 contracts and $114,200 in broker commissions and fees, 2.6% 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 21, 2026, before the deadline.
Who was paid on Michigan Atf Holdings, LLC's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Michigan Atf Holdings, LLC filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| AssuredPartners · Elgin, IL | $100,627 | $13,573 | $114,200 | 5 |
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 |
|---|---|---|---|---|
| Bluecross Blueshield of Illinoishealth, prescription drug | 506 | $3.0M | $75,949 | 2.6% |
| Delta Dental of Michigandental | 150 | $47,632 | $5,129 | 10.8% |
| The Guardian Life Insurance Company of Americalife, long-term disability | 417 | — | $19,516 | — |
| Eyemed Vision Care on Behalf of Fidelity Security Life Insurance Co.vision | 122 | — | $791 | — |
| Unum Life Insurance Company of Americashort-term disability, long-term disability | 264 | — | $12,815 | — |
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 Michigan Atf Holdings, LLC 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: $5,849 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 | 499 | 444 | −11.0% |
| Premiums filed | $3,330,637 | $3,006,997 | −9.7% |
| Broker commissions + fees | $116,444 | $114,200 | −1.9% |
| Commission rate | 2.4% | 2.6% | +0.1 pts |
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 |
|---|---|---|---|---|
| Michigan Atf Holdings, LLC Welfare Plan#501 · insurance, general assets | December 31, 2025 | July 21, 2026 | before deadline | 444 |
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 Michigan Atf Holdings, LLC pay in health insurance broker commissions in 2025?
Michigan Atf Holdings, LLC's 2025 Form 5500 reports $114,200 in broker commissions and fees across 5 insurance contracts ($100,627 in commissions, $13,573 in fees), with AssuredPartners receiving the largest share.
Is Michigan Atf Holdings, LLC'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 Bluecross Blueshield of Illinois.
How does Michigan Atf Holdings, LLC's broker compensation compare with similar employers?
Michigan Atf Holdings, LLC paid 2.6% 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.