Michigan Masonic Home
Updated Filing received by DOL a plan year 2025 filing was received July 9, 2026 for 1 of this employer's 2 plans; this record moves to 2025 when all have arrived
Michigan Masonic Home, a healthcare & social assistance employer in Alma, Michigan, reported 295 participants in its health and welfare plans for plan year 2024. Its Form 5500 shows $1.1M in insurance premiums across 7 contracts and $107,082 in broker commissions and fees, 4.5% 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 May 23, 2025, before the deadline.
Who was paid on Michigan Masonic Home'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 Masonic Home filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Brown & Brown · Daytona Beach, FL | $51,202 | $9,584 | $60,786 | 12 |
| Kevin D. Cumings · Sterling Heights, MI | $31,594 | $0 | $31,594 | 1 |
| Strategic Non-Medical Sltns., Inc. · Boston, MA | $4,754 | $9,356 | $14,110 | 4 |
| Employee Navigator, LLC · Bethesda, MD | $592 | $0 | $592 | 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 Cross Blue Shield of Michiganhealth, prescription drug, PPO | 153 | $710,352 | $31,594 | 4.4% |
| Delta Dental of Michigandental | 567 | $176,055 | $4,836 | 2.7% |
| Delta Dental of Michigandental | 567 | $176,055 | $4,836 | 2.7% |
| Vision Service Planvision | 220 | — | $5,428 | — |
| The Lincoln National Life Insurance Companylife, long-term disability | 268 | — | $27,480 | — |
| Vision Service Planvision | 220 | — | $5,428 | — |
| The Lincoln National Life Insurance Companylife, long-term disability | 268 | — | $27,480 | — |
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 Michigan Masonic Home 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: $4,643 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 | 323 | 295 | −8.7% |
| Premiums filed | $190,904 | $1,062,462 | +456.5% |
| Broker commissions + fees | $26,111 | $107,082 | +310.1% |
| Commission rate | — | 4.5% | — |
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 |
|---|---|---|---|---|
| Michigan Masonic Home Umbrella Plan#501 · insurance, general assets | December 31, 2024 | May 23, 2025 | before deadline | 295 |
| Michigan Masonic Home Umbrella Plan#503 · amended · insurance, general assets | December 31, 2024 | January 22, 2026 | amended filing; original date not in data | 295 |
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 Masonic Home pay in health insurance broker commissions in 2024?
Michigan Masonic Home's 2024 Form 5500 reports $107,082 in broker commissions and fees across 7 insurance contracts ($88,142 in commissions, $18,940 in fees), with Brown & Brown receiving the largest share.
Is Michigan Masonic Home'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 Cross Blue Shield of Michigan.
How does Michigan Masonic Home's broker compensation compare with similar employers?
Michigan Masonic Home paid 4.5% 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.