Niowave Inc
Updated Filing received by DOL
Niowave Inc, a professional & technical services employer in Lansing, Michigan, reported 135 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $1.4M in insurance premiums across 4 contracts and $272,458 in broker commissions and fees, 21.3% of medical premium against a national median of 3.8% among plans that paid commissions in plan year 2024. The plan is fully insured (an insurance carrier pays claims). The Department of Labor received the filing on July 27, 2026, before the deadline.
Who was paid on Niowave 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 Niowave Inc filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Gregory Brogan · Lansing, MI | $27,200 | $0 | $27,200 | 2 |
| Andrew Brogan · Lansing, MI | $27,200 | $0 | $27,200 | 2 |
| Gregory D Brogan · East Lansing, MI | $13,772 | $0 | $13,772 | 1 |
| Andy Brogan · Lansing, MI | $1,838 | $0 | $1,838 | 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. 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 | 251 | $1.0M | $225,657 | 21.7% |
| Guardiandental, life, short-term disability, long-term disability | 166 | $177,986 | $13,772 | 7.7% |
| Blue Cross Blue Shield of Michiganhealth, prescription drug, PPO | 40 | $163,202 | $31,191 | 19.1% |
| Eyemed Vision Carevision | 132 | $14,462 | $1,838 | 12.7% |
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 Niowave 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: $4,142 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 |
|---|---|---|---|---|
| Niowave Inc#501 · insurance | December 31, 2025 | July 27, 2026 | before deadline | 135 |
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 Niowave Inc pay in health insurance broker commissions in 2025?
Niowave Inc's 2025 Form 5500 reports $272,458 in broker commissions and fees across 4 insurance contracts ($70,011 in commissions, $202,447 in fees), with Gregory Brogan receiving the largest share.
Is Niowave Inc's health plan self-funded or fully insured?
The 2025 filing indicates the plan is fully insured (an insurance carrier pays claims). Medical coverage is written by Blue Care Network of Michigan, Blue Cross Blue Shield of Michigan.
How does Niowave Inc's broker compensation compare with similar employers?
Niowave Inc paid 21.3% of medical premium in commissions and fees. The median for employers with 100-199 participants is 4.2%, 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.