Plan Ledger DOL Form 5500 · updated monthly

The Guidance Centerbenefits

The Guidance Center Welfare Benefit Plan · SOUTHGATE, MI · plan year 2025

Broker compensation reported · 2025
$231,665

The Guidance Center's benefits plans covered 490 active participants in 2025, providing health · life · dental · vision · short-term disability · long-term disability · death benefits · other. Insurance premiums totaled $8,397,142. Insurance brokers and agents were paid $231,665 in commissions and fees, costs that ultimately come out of what the employer and employees pay for coverage. That works out to 2.8% of premiums. That is $473 per covered person, in the top quarter of employer plans that report broker pay. Broker pay rose 12% from $206,230 in 2024.

Insurance contracts · 20253
BLUE CARE NETWORK OF MICHIGAN · health drug hmo$7.2M · 740 covered
BLUE CROSS BLUE SHIELD OF MICHIGAN · health drug dental vision ppo$1.2M · 1,052 covered
THE LINCOLN NATIONAL LIFE INSURANCE COMPANY · life std ltdpremiums n/a · 490 covered
Brokers & agents paid · 20253
MELISSA ARMATIS$134,165
CENTRO BENEFITS RESEARCH, LLC$19,123 · incl $19,123 fees
ASSUREDPARTNERS$78,377 · incl $21,009 fees
Also brokered by Melissa Armatis2

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Source: DOL Form 5500 Schedule A, plan year 2025, EIN 381621700 · Verify on EFAST2 · Amounts are as reported by the plan sponsor.