Stefanini
Updated Filing received by DOL
Stefanini, a wholesale trade employer in Southfield, Michigan, reported 1,253 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $2.2M in insurance premiums across 14 contracts and $243,205 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on July 7, 2026, before the deadline.
Who was paid on Stefanini's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Stefanini filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Marsh McLennan Agency · Roanoke, VA | $122,197 | $40,915 | $163,112 | 12 |
| Christopher M Bouschet · Troy, MI | $37,124 | $0 | $37,124 | 1 |
| Rebecca a McLaughlan · Troy, MI | $28,726 | $0 | $28,726 | 1 |
| Van Epps, James H · Roswell, GA | $4,408 | $297 | $4,705 | 2 |
| Block, Charles D · Wilmington, NC | $4,408 | $297 | $4,705 | 2 |
| Lovasco Consulting Group Inc · Detroit, MI | $3,898 | $306 | $4,204 | 1 |
| Gallagher · Bingham Farms, MI | $483 | $64 | $547 | 2 |
| Benefit Communications Inc · Nashville, TN | $82 | $0 | $82 | 2 |
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 Care Network of Michiganhealth, prescription drug, HMO | 388 | $2.2M | $69,264 | 3.1% |
| Lincoln National Life Insurance Companylife | 1,138 | — | $43,060 | — |
| Lincoln National Life Insurance Companylong-term disability | 235 | — | $13,143 | — |
| Starmount Life Insurance Companyvision | 661 | — | $9,904 | — |
| The Lincoln National Life Insurance Companycoverage not coded | 290 | — | $24,017 | — |
| First Unum Life Ins Cocoverage not coded | 5 | — | $117 | — |
| Provident Life and Accident Insurance Companylife, short-term disability | 246 | — | $18,795 | — |
| Cigna Health and Life Insurance Companyhealth, prescription drug | 1 | — | $316 | — |
| Unum Life Insurance Company of Americalong-term disability | 41 | — | $4,750 | — |
| Lincoln National Life Insurance Companyshort-term disability | 537 | — | $14,362 | — |
| The Lincoln National Life Insurance Companycoverage not coded | 251 | — | $19,775 | — |
| Health Advocate Solutions, Inc.coverage not coded | 1,152 | — | — | — |
| The Lincoln National Life Insurance Companycoverage not coded | 396 | — | $16,769 | — |
| Pre-Paid Legal Services Inc dba Legalshieldcoverage not coded | 151 | — | $8,933 | — |
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 Stefanini 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.
Premium per covered person on medical contracts: $5,693 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 | 1,462 | 1,253 | −14.3% |
| Premiums filed | $2,109,122 | $2,209,002 | not comparable |
| Broker commissions + fees | $243,354 | $243,205 | −0.1% |
| Commission rate | — | — | — |
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 |
|---|---|---|---|---|
| Stefanini Welfare Benefit Plans#501 · insurance, general assets | December 31, 2025 | July 7, 2026 | before deadline | 1,253 |
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 Stefanini pay in health insurance broker commissions in 2025?
Stefanini's 2025 Form 5500 reports $243,205 in broker commissions and fees across 14 insurance contracts ($201,326 in commissions, $41,879 in fees), with Marsh McLennan Agency receiving the largest share.
Is Stefanini'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 Care Network of Michigan, Cigna Health and Life Insurance Company.
How does Stefanini's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Stefanini because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 1,000-4,999 participants that disclosed broker pay reported a median of $168,579.
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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.