Total Fire Protection
Updated Filing received by DOL
Total Fire Protection, a construction employer in Grand Rapids, Michigan, reported 470 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows $223,360 in insurance premiums across 4 contracts and $159,321 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on November 13, 2025, before the deadline.
Who was paid on Total Fire Protection's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Total Fire Protection filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Wright, Debra · Grand Rapids, MI | $100,275 | $0 | $100,275 | 1 |
| Tricoast Advisors, LLC · Grand Rapids, MI | $32,499 | $17,507 | $50,006 | 3 |
| Michelle R Stouffer · Grand Rapids, MI | $8,732 | $0 | $8,732 | 1 |
| Santiago and Associates, LLC · Muskegon, MI | $220 | $0 | $220 | 1 |
| W. E. Hahn Affiliated SVC., LLC · Walker, MI | $35 | $0 | $35 | 1 |
| K. Harris & Associates, LLC · Muskegon, MI | $25 | $0 | $25 | 1 |
| William Johnson & Associates, LLC · Cedar Springs, MI | $17 | $0 | $17 | 1 |
| Samantha Benedetti · Grand Rapids, MI | $11 | $0 | $11 | 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, dental, vision, prescription drug, PPO | 840 | $223,360 | $11,090 | 5.0% |
| Priority Healthhealth, prescription drug, HMO | 810 | — | $100,275 | — |
| Continental American Insurance Companycoverage not coded | 36 | — | $13,339 | — |
| United of Omaha Life Insurance Companylife, short-term disability, long-term disability | 532 | — | $34,617 | — |
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 Total Fire Protection 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
| 2023 | 2024 | Change | |
|---|---|---|---|
| Participants | 378 | 470 | +24.3% |
| Premiums filed | $2,428,345 | $223,360 | not comparable |
| Broker commissions + fees | $136,180 | $159,321 | +17.0% |
| Commission rate | 3.6% | — | — |
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 |
|---|---|---|---|---|
| Total Fire Protection Health and Welfare Plan#501 · insurance, general assets | June 30, 2025 | November 13, 2025 | before deadline | 470 |
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 Total Fire Protection pay in health insurance broker commissions in 2024?
Total Fire Protection's 2024 Form 5500 reports $159,321 in broker commissions and fees across 4 insurance contracts ($141,814 in commissions, $17,507 in fees), with Wright, Debra receiving the largest share.
Is Total Fire Protection'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, Priority Health.
How does Total Fire Protection's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Total Fire Protection 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.