Organ Procurement Agency of Michigan
Updated Filing received by DOL
Organ Procurement Agency of Michigan, a healthcare & social assistance employer in Ann Arbor, Michigan, reported 393 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $5.2M in insurance premiums across 10 contracts and $130,116 in broker commissions and fees, 1.6% 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 10, 2026, before the deadline.
Who was paid on Organ Procurement Agency of Michigan's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Organ Procurement Agency of Michigan filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| AssuredPartners · Sterling Heights, MI | $31,898 | $18,358 | $50,256 | 19 |
| Amy J Hall · Royal Oak, MI | $40,678 | $0 | $40,678 | 1 |
| Katherine C Wood · Ann Arbor, MI | $29,589 | $0 | $29,589 | 1 |
| Kapnick & Company, Inc. · Adrian, MI | $4,127 | $0 | $4,127 | 4 |
| Kapnick & Co, Inc - Katherine Wood · Ann Arbor, MI | $3,577 | $0 | $3,577 | 1 |
| Kapnick Insurance Group-Adrian, Mi · Adrian, MI | $1,933 | $0 | $1,933 | 4 |
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. Where Part I rows added up to more than the contract's Schedule A total, they were scaled down to that total. 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, PPO | 746 | $4.8M | $74,449 | 1.6% |
| Delta Dental of Michigandental | 782 | $362,003 | $12,411 | 3.4% |
| Fidelity Security Life Insurance Companyvision | 332 | — | $2,409 | — |
| Fidelity Security Life Insurance Companyvision | 278 | — | $3,296 | — |
| Fidelity Security Life Insurance Companyvision | 4 | — | $12 | — |
| Fidelity Security Life Insurance Companyvision | 1 | — | $19 | — |
| United of Omaha Life Insurance Companylong-term disability | 357 | — | $9,511 | — |
| United of Omaha Life Insurance Companylife | 383 | — | $7,044 | — |
| United of Omaha Life Insurance Companyshort-term disability | 367 | — | $11,389 | — |
| United of Omaha Life Insurance Companylife | 233 | — | $9,576 | — |
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 Organ Procurement Agency of Michigan 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: $6,438 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 | 369 | 393 | +6.5% |
| Premiums filed | $4,600,057 | $5,164,436 | +12.3% |
| Broker commissions + fees | $167,360 | $130,116 | −22.3% |
| Commission rate | 2.3% | 1.6% | −0.8 pts |
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 |
|---|---|---|---|---|
| Gift of Life Michigan Health and Welfare Benefit Plan#502 · insurance | December 31, 2025 | July 10, 2026 | before deadline | 393 |
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 Organ Procurement Agency of Michigan pay in health insurance broker commissions in 2025?
Organ Procurement Agency of Michigan's 2025 Form 5500 reports $130,116 in broker commissions and fees across 10 insurance contracts ($111,758 in commissions, $18,358 in fees), with AssuredPartners receiving the largest share.
Is Organ Procurement Agency of Michigan'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.
How does Organ Procurement Agency of Michigan's broker compensation compare with similar employers?
Organ Procurement Agency of Michigan paid 1.6% 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.