Plan Ledger DOL Form 5500 · updated monthly

Ricardo LLCbenefits

Ricardo Health and Life Plan · VAN BUREN TOWNSHIP, MI · plan year 2025

Broker compensation reported · 2025
$49,553

Ricardo LLC's benefits plans covered 85 active participants in 2025, providing health · life · dental · vision · short-term disability · long-term disability · death benefits · other. Insurance premiums totaled $68,834. Insurance brokers and agents were paid $49,553 in commissions and fees, costs that ultimately come out of what the employer and employees pay for coverage. That works out to 72.0% of premiums. That is $583 per covered person, in the top quarter of employer plans that report broker pay. Broker pay fell 19% from $61,180 in 2024.

Insurance contracts · 20257
DELTA DENTAL OF MICHIGAN · dental$69K · 148 covered
UNITEDHEALTHCARE INSURANCE COMPANY · healthpremiums n/a · 69 covered
NATIONAL VISION ADMINISTRATORS, L.L.C. · visionpremiums n/a · 130 covered
LIFE INSURANCE COMPANY OF NORTH AMERICApremiums n/a · 149 covered
LIFE INSURANCE COMPANY OF NORTH AMERICA · lifepremiums n/a · 150 covered
LIFE INSURANCE COMPANY OF NORTH AMERICA · ltdpremiums n/a · 83 covered
LIFE INSURANCE COMPANY OF NORTH AMERICA · stdpremiums n/a · 83 covered
Brokers & agents paid · 20252
MARSH & MCLENNAN AGENCY, LLC$45,262 · incl $502 fees
JAMES R NELLIGAN & ASSOCIATES LLC$4,291 · incl $4,291 fees
Also brokered by Marsh McLennan Agency5
Rme LTD. LLC CO$10,578,643

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Source: DOL Form 5500 Schedule A, plan year 2025, EIN 382833470 · Verify on EFAST2 · Amounts are as reported by the plan sponsor.