Plan Ledger DOL Form 5500 · updated monthly

Michigan Advocacy Programbenefits

Michigan Advocacy Program Welfare Benefits Plan · YPSILANTI, MI · plan year 2025

Broker compensation reported · 2025
$117,161

Michigan Advocacy Program's benefits plans covered 243 active participants in 2025, providing health · life · dental · vision · short-term disability · long-term disability · other. Insurance premiums totaled $2,396,151. Insurance brokers and agents were paid $117,161 in commissions and fees, costs that ultimately come out of what the employer and employees pay for coverage. That works out to 4.9% of premiums. That is $482 per covered person, in the top quarter of employer plans that report broker pay. Broker pay rose 15% from $101,884 in 2024.

Insurance contracts · 20255
BLUE CARE NETWORK OF MICHIGAN · health drug vision hmo$2.2M · 312 covered
DELTA DENTAL OF MICHIGAN · dental$113K · 295 covered
BLUE CROSS BLUE SHIELD OF MICHIGAN · health drug vision ppo$46K · 26 covered
UNUM LIFE INSURANCE COMPANY OF AMERICA · lifepremiums n/a · 71 covered
UNUM LIFE INSURANCE COMPANY OF AMERICA · life ltdpremiums n/a · 237 covered
Brokers & agents paid · 20253
DEBRA A YOUNGS$85,592
KAPNICK & COMPANY, INC.$24,878 · incl $6,503 fees
CENTRO BENEFITS RESEARCH LLC$6,691 · incl $6,691 fees
Also brokered by Debra a Youngs4
Gudel, Inc. MI$28,660

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Source: DOL Form 5500 Schedule A, plan year 2025, EIN 381845444 · Verify on EFAST2 · Amounts are as reported by the plan sponsor.