Northgate Resorts HR, LLC
Updated Filing received by DOL
Northgate Resorts HR, LLC, an accommodation & food services employer in Grand Rapids, Michigan, reported 444 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows $115,932 in insurance premiums across 5 contracts and $32,534 in broker commissions and fees. The plan is self-funded (the employer pays claims itself). The Department of Labor received the filing on March 31, 2026, before the deadline.
Who was paid on Northgate Resorts HR, 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 Northgate Resorts HR, LLC filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Highstreet Ins. SVS. Great Lakes · Traverse City, MI | $15,188 | $0 | $15,188 | 3 |
| Dianna LYNN Atchinson · Rockford, MI | $3,936 | $1,463 | $5,399 | 2 |
| Jeremy Sampsel · Grand Rapids, MI | $2,606 | $1,519 | $4,125 | 2 |
| Michigan Chambers Services, Inc. · Lansing, MI | $3,752 | $0 | $3,752 | 1 |
| Howard J. Horowitz · Carmel, IN | $944 | $196 | $1,140 | 1 |
| Kimberly Jill Zbikowski · Wyoming, MI | $661 | $230 | $891 | 2 |
| Brenda R. Manning · Traverse City, MI | $833 | $0 | $833 | 1 |
| JT Premier Holdings & Other Agents · Grand Rapids, MI | $420 | $129 | $549 | 1 |
| High Street Insurance Partners Inc. · Detroit, MI | $0 | $481 | $481 | 1 |
| Fantasia Marie Jones · Paw Paw, MI | $78 | $62 | $140 | 1 |
| Richard Lewis Mulligan · Grand Rapids, MI | $32 | $3 | $35 | 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 | 403 | $99,069 | $11,505 | 11.6% |
| Blue Cross Blue Shield of Michiganvision | 349 | $16,863 | $1,314 | 7.8% |
| Employee Services LLCcoverage not coded | 1,851 | — | — | — |
| Colonial Life & Accident Insurance Companylife, short-term disability | 3 | — | $566 | — |
| Colonial Life & Accident Insurance Companylife, short-term disability | 79 | — | $19,149 | — |
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 Northgate Resorts HR, 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.
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 | 425 | 444 | +4.5% |
| Premiums filed | $2,019,360 | $115,932 | −94.3% |
| Broker commissions + fees | $95,487 | $32,534 | −65.9% |
| Commission rate | 3.1% | — | — |
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 |
|---|---|---|---|---|
| Northgate Resorts HR LLC Benefits Plan#501 · insurance, general assets | August 31, 2025 | March 31, 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 Northgate Resorts HR, LLC pay in health insurance broker commissions in 2024?
Northgate Resorts HR, LLC's 2024 Form 5500 reports $32,534 in broker commissions and fees across 5 insurance contracts ($28,450 in commissions, $4,084 in fees), with Highstreet Ins. SVS. Great Lakes receiving the largest share.
Is Northgate Resorts HR, LLC's health plan self-funded or fully insured?
The 2024 filing indicates the plan is self-funded (the employer pays claims itself).
How does Northgate Resorts HR, LLC's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Northgate Resorts HR, LLC 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.