Sweet Express, LLC
Updated Filing received by DOL
Sweet Express, LLC, a transportation — truck & rail employer in Grand Rapids, Michigan, reported 356 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $129,693 in insurance premiums across 6 contracts and $50,833 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on June 17, 2026, before the deadline.
Who was paid on Sweet Express, 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 Sweet Express, LLC filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| McLaughlan, Rebecca · Troy, MI | $19,483 | $0 | $19,483 | 1 |
| Marsh McLennan Agency · Minneapolis, MN | $14,094 | $234 | $14,328 | 6 |
| Bouschet, Christopher · Troy, MI | $12,988 | $0 | $12,988 | 1 |
| Jeremy Sampsel · Grand Rapids, MI | $991 | $414 | $1,405 | 1 |
| Dianna LYNN Atchison · Rockford, MI | $935 | $204 | $1,139 | 1 |
| Berends Hendricks Stuit Insurance a · Grandville, MI | $790 | $0 | $790 | 1 |
| Richard Lewis Mulligan · Grand Rapids, MI | $772 | $0 | $772 | 1 |
| Kimberly Jill Zbikowski · Wyoming, MI | $65 | $40 | $105 | 1 |
| Cynthia Susanne Every · Manchester, MI | $7 | $0 | $7 | 1 |
| Melissa Devon Wright-Halmon · Jackson, MI | $2 | $0 | $2 | 1 |
| Fantasia Marie Jones · Paw Paw, MI | $1 | $0 | $1 | 1 |
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 |
|---|---|---|---|---|
| Delta Dental of Michigandental | 290 | $80,786 | $2,241 | 2.8% |
| Standard Insurance Companylife | 349 | $48,907 | $3,827 | 7.8% |
| Priority Healthhealth, prescription drug | 118 | — | $32,471 | — |
| Metropolitan Life Insurance Companyvision | 263 | — | $1,551 | — |
| Colonial Life and Accident Insurance Companylife, short-term disability | 17 | — | $4,818 | — |
| Vault Admin Services LLChealth | 57 | — | $5,925 | — |
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 Sweet Express, 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
| 2024 | 2025 | Change | |
|---|---|---|---|
| Participants | 356 | 356 | +0.0% |
| Premiums filed | $150,441 | $129,693 | not comparable |
| Broker commissions + fees | $46,034 | $50,833 | +10.4% |
| 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 |
|---|---|---|---|---|
| Sweet Express, LLC Welfare Benefit Plan#507 · insurance, general assets | December 31, 2025 | June 17, 2026 | before deadline | 356 |
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 Sweet Express, LLC pay in health insurance broker commissions in 2025?
Sweet Express, LLC's 2025 Form 5500 reports $50,833 in broker commissions and fees across 6 insurance contracts ($49,940 in commissions, $893 in fees), with McLaughlan, Rebecca receiving the largest share.
Is Sweet Express, LLC'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 Priority Health, Vault Admin Services LLC.
How does Sweet Express, LLC's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Sweet Express, 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.