Wayne-Metropolitan Community Action Agency
Updated Filing received by DOL
Wayne-Metropolitan Community Action Agency, a healthcare & social assistance employer in Detroit, Michigan, reported 826 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows $3.4M in insurance premiums across 6 contracts and $282,482 in broker commissions and fees. The plan is fully insured (an insurance carrier pays claims). The Department of Labor received the filing on March 10, 2026, before the deadline.
Who was paid on Wayne-Metropolitan Community Action Agency's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Wayne-Metropolitan Community Action Agency filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Melissa Armatis · Wyandotte, MI | $198,177 | $0 | $198,177 | 4 |
| AssuredPartners · Sterling Heights, MI | $67,041 | $3,902 | $70,943 | 4 |
| Centro Benefits Research · Kirkwood, MO | $0 | $13,362 | $13,362 | 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 | 187 | $2.0M | $55,961 | 2.8% |
| Blue Care Network of Michiganhealth, vision, prescription drug, HMO | 120 | $953,230 | $29,557 | 3.1% |
| Delta Dental of Michigandental | 1,095 | $383,256 | $27,435 | 7.2% |
| Priority Health Insurance Companyhealth, vision, prescription drug, HMO | 644 | — | $2,027 | — |
| Lincoln National Life Insurance Companylife, short-term disability, long-term disability | 677 | — | $53,543 | — |
| Priority Healthhealth, vision, prescription drug, HMO | 644 | — | $113,959 | — |
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 Wayne-Metropolitan Community Action Agency 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: $9,676 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 | 794 | 826 | +4.0% |
| Premiums filed | $2,992,314 | $3,353,731 | not comparable |
| Broker commissions + fees | $253,770 | $282,482 | +11.3% |
| Commission rate | — | — | — |
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 |
|---|---|---|---|---|
| Wayne-Metropolitan Community Action Agency Welfare Benefits Plan#501 · insurance | September 30, 2025 | March 10, 2026 | before deadline | 826 |
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 Wayne-Metropolitan Community Action Agency pay in health insurance broker commissions in 2024?
Wayne-Metropolitan Community Action Agency's 2024 Form 5500 reports $282,482 in broker commissions and fees across 6 insurance contracts ($265,218 in commissions, $17,264 in fees), with Melissa Armatis receiving the largest share.
Is Wayne-Metropolitan Community Action Agency's health plan self-funded or fully insured?
The 2024 filing indicates the plan is fully insured (an insurance carrier pays claims). Medical coverage is written by Blue Cross Blue Shield of Michigan, Blue Care Network of Michigan, Priority Health Insurance Company.
How does Wayne-Metropolitan Community Action Agency's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Wayne-Metropolitan Community Action Agency because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 500-999 participants that disclosed broker pay reported a median of $104,902.
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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.