Northwest Michigan Community Action Agency
Updated Filing received by DOL
Northwest Michigan Community Action Agency, an other services employer in Traverse City, Michigan, reported 273 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows 4 insurance contracts with no premium reported and $63,507 in broker commissions and fees. The plan is fully insured (an insurance carrier pays claims). The Department of Labor received the filing on May 14, 2026, within the extension window.
Who was paid on Northwest Michigan Community Action Agency's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Northwest Michigan Community Action Agency filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Brian N. Hirko · Traverse City, MI | $21,807 | $0 | $21,807 | 1 |
| Brandon M. Darin · Traverse City, MI | $15,791 | $0 | $15,791 | 1 |
| Highstreet Insurance Services · Traverse City, MI | $12,349 | $0 | $12,349 | 3 |
| Frederick Robb · Traverse City, MI | $2,268 | $3,587 | $5,855 | 2 |
| Kimberly Elliott · Traverse City, MI | $2,007 | $770 | $2,777 | 2 |
| Marks Benefit Management, LLC · Fayetteville, AR | $896 | $454 | $1,350 | 2 |
| High Street Insurance Partners · Traverse City, MI | $0 | $1,084 | $1,084 | 1 |
| Bradley John Lowran · Traverse City, MI | $395 | $112 | $507 | 2 |
| Jeremy Sampsel · Grand Rapids, MI | $300 | $168 | $468 | 2 |
| Martin Lomasney · Traverse City, MI | $234 | $0 | $234 | 2 |
| Lisa Nelson · Cadillac, MI | $195 | $0 | $195 | 1 |
| Mark Daugherty · Rocky Top, TN | $163 | $26 | $189 | 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 |
|---|---|---|---|---|
| Priority Healthhealth, HMO | 213 | — | $37,598 | — |
| Colonial Life & Accident Insurance Companyshort-term disability, indemnity | 21 | — | $3,768 | — |
| Colonial Life & Accident Insurance Companyshort-term disability, indemnity | 46 | — | $14,562 | — |
| Principal Life Insurance Companydental, vision, life, PPO | 409 | — | $7,579 | — |
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 Northwest Michigan Community Action Agency 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 | 249 | 273 | +9.6% |
| Premiums filed | $80,336 | $0 | not comparable |
| Broker commissions + fees | $57,922 | $63,507 | +9.6% |
| Commission rate | — | — | — |
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 |
|---|---|---|---|---|
| Northwest Michigan Community Action Agency Health and Welfare Plan#515 · insurance | July 31, 2025 | May 14, 2026 | within extension | 273 |
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 Northwest Michigan Community Action Agency pay in health insurance broker commissions in 2024?
Northwest Michigan Community Action Agency's 2024 Form 5500 reports $63,507 in broker commissions and fees across 4 insurance contracts ($57,199 in commissions, $6,308 in fees), with Brian N. Hirko receiving the largest share.
Is Northwest Michigan Community Action Agency's health plan self-funded or fully insured?
The 2024 filing indicates the plan is fully insured (an insurance carrier pays claims). Medical coverage is written by Priority Health.
How does Northwest Michigan Community Action Agency's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Northwest Michigan Community Action Agency 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.