Norr LLC
Updated Filing received by DOL
Norr LLC, a professional & technical services employer in Detroit, Michigan, reported 238 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $3.0M in insurance premiums across 4 contracts and $115,821 in broker commissions and fees, 3.1% 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 9, 2026, before the deadline.
Who was paid on Norr 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 Norr LLC filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Eugene F. Lovasco · Detroit, MI | $84,919 | $0 | $84,919 | 1 |
| Lovasco Consulting Group, Inc. · Detroit, MI | $16,717 | $8,310 | $25,027 | 4 |
| Centro Benefits Research, LLC · Kirkwood, MO | $5,875 | $0 | $5,875 | 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 Cross and Blue Shield of Michiganhealth, prescription drug, PPO | 394 | $2.8M | $87,354 | 3.1% |
| Delta Dental of Michigandental | 386 | $155,289 | $7,414 | 4.8% |
| Eyemed Vision Care on Behalf of Fidelity Security Life Insurance Co.vision | 377 | — | $1,502 | — |
| Reliance Standard Life Insurance Companylife, short-term disability, long-term disability | 238 | — | $19,551 | — |
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 Norr 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: $7,216 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 | 235 | 238 | +1.3% |
| Premiums filed | $2,560,952 | $2,998,269 | +17.1% |
| Broker commissions + fees | $105,784 | $115,821 | +9.5% |
| Commission rate | — | 3.1% | — |
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 |
|---|---|---|---|---|
| Norr Health and Welfare Plan#501 · insurance, general assets | December 31, 2025 | July 9, 2026 | before deadline | 238 |
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 Norr LLC pay in health insurance broker commissions in 2025?
Norr LLC's 2025 Form 5500 reports $115,821 in broker commissions and fees across 4 insurance contracts ($107,511 in commissions, $8,310 in fees), with Eugene F. Lovasco receiving the largest share.
Is Norr 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 Blue Cross and Blue Shield of Michigan.
How does Norr LLC's broker compensation compare with similar employers?
Norr LLC paid 3.1% 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.