Protera Technologies LLC
Updated Filing received by DOL
Protera Technologies LLC, an information & publishing employer in Ferndale, Michigan, reported 101 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows $1.5M in insurance premiums across 5 contracts and $92,815 in broker commissions and fees, 5.0% 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 October 13, 2025, before the deadline.
Who was paid on Protera Technologies 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 Protera Technologies LLC filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Rebecca a McLaughlan · Troy, MI | $69,579 | $0 | $69,579 | 1 |
| Marsh McLennan Agency · Troy, MI | $16,485 | $6,751 | $23,236 | 5 |
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 |
|---|---|---|---|---|
| Blue Cross Blue Shield of Michiganhealth, vision, prescription drug, PPO | 277 | $1.4M | $71,013 | 5.0% |
| Delta Dental of Michigandental | 272 | $109,073 | $6,962 | 6.4% |
| Unum Life Insurance Company of Americalife, short-term disability, long-term disability | 120 | — | $9,731 | — |
| Unum Life Insurance Company of Americalife | 44 | — | $4,093 | — |
| Unum Insurance Companycoverage not coded | 17 | — | $1,016 | — |
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 Protera Technologies 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: $5,168 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 |
|---|---|---|---|---|
| Protera Technologies Health and Welfare Benefit Plan#501 · insurance, general assets | May 31, 2025 | October 13, 2025 | before deadline | 101 |
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 Protera Technologies LLC pay in health insurance broker commissions in 2024?
Protera Technologies LLC's 2024 Form 5500 reports $92,815 in broker commissions and fees across 5 insurance contracts ($86,064 in commissions, $6,751 in fees), with Rebecca a McLaughlan receiving the largest share.
Is Protera Technologies LLC's health plan self-funded or fully insured?
The 2024 filing indicates the plan is a mix of insured and self-funded coverage. Medical coverage is written by Blue Cross Blue Shield of Michigan.
How does Protera Technologies LLC's broker compensation compare with similar employers?
Protera Technologies LLC paid 5.0% 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.