Tec Group, Inc.
Updated Filing received by DOL
Tec Group, Inc., an administrative & support services employer in Troy, Michigan, reported 411 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows $4.7M in insurance premiums across 5 contracts and $215,529 in broker commissions and fees, 4.0% 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 September 23, 2025, before the deadline.
Who was paid on Tec Group, Inc.'s plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Tec Group, Inc. filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Daniel H Ryan · Concord, CA | $169,007 | $0 | $169,007 | 1 |
| EPIC Insurance Brokers · Rancho Cordova, CA | $37,536 | $8,925 | $46,461 | 6 |
| Steven Griffin · Birmingham, AL | $61 | $0 | $61 | 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 |
|---|---|---|---|---|
| Blue Cross Blue Shield of Michiganhealth, vision, prescription drug, PPO | 779 | $4.4M | $174,493 | 4.0% |
| Delta Dental of Michigandental | 822 | $300,119 | $11,382 | 3.8% |
| Unum Life Insurance Company of Americalife, short-term disability, long-term disability | 374 | — | $10,704 | — |
| Unum Life Insurance Company of Americalife | 144 | — | $11,109 | — |
| Unum Life Insurance Company of Americacoverage not coded | 224 | — | $7,841 | — |
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 Tec Group, Inc. 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: $5,643 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
| 2023 | 2024 | Change | |
|---|---|---|---|
| Participants | 410 | 411 | +0.2% |
| Premiums filed | $5,228,880 | $4,696,035 | −10.2% |
| Broker commissions + fees | $229,132 | $215,529 | −5.9% |
| Commission rate | 3.8% | 4.0% | +0.2 pts |
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 |
|---|---|---|---|---|
| Tec Group, Inc. Welfare Benefits Plan#501 · insurance, general assets | February 28, 2025 | September 23, 2025 | before deadline | 411 |
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 Tec Group, Inc. pay in health insurance broker commissions in 2024?
Tec Group, Inc.'s 2024 Form 5500 reports $215,529 in broker commissions and fees across 5 insurance contracts ($206,604 in commissions, $8,925 in fees), with Daniel H Ryan receiving the largest share.
Is Tec Group, Inc.'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 Tec Group, Inc.'s broker compensation compare with similar employers?
Tec Group, Inc. paid 4.0% 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.