M&M LUXURY AUTOMOTIVE, LLC
Formerly M&M LUXURY AUTOMOTIVE, LLC/MEADE LEXUS
EIN 47-2678409 · MI · Retail
2023: $7,455 shown as filed, excluded as a likely filing error · 2022: $7,408 shown as filed, excluded as a likely filing error
Benchmarked against: Retail · 101–500 employees · same industry, in-state · n=54 employers (your plan plus 53 peers)
107
(latest)
Self-fundedSelf-funded (incl. mixed, stop-loss and level-funded).
Funding
$45,020
Broker pay, employer-paid lines (2024)
$35.06
74th pct vs peers · n=54
Lines disclosed: Vision · Life · Short-term disability · Long-term disability
Broker pay as a share of insured premium: 6.4% (peer median 5.4%, 60th percentile).
Without the 15 low-disclosure peers, this plan is at the 63rd percentile of 39 comparable plans (your plan plus 38 peers).
Employer-paid $45,020 benchmarked for 2024 · Voluntary $10,931 shown separately, compared by rate only · $8,525 shown as filed, excluded as a likely filing error
Why excluded?
1 broker compensation line totaling $8,525 on the Form 5500 appears to be filing errors (a commission above 100% of the premium reported on that contract, or pay above $200 per participant per month or $50,000,000 on one line). We verified these amounts against the DOL EFAST publication — they are as filed by the plan sponsor, not an Unbrokered ingest error. Those lines are shown as filed and excluded from peer benchmarks and headline PEPM.
Broker commission rate by benefit line
What the broker earns on each insured line, as a share of that line's own premium — not a share of total broker pay, and not what the coverage cost. Peers for these tiles: same region, similar covered lives. Full table below. How the national rates are built.
Medical
4.9%
Peer median 4.0%
Within peer rangeVoluntary / worksite
20.6%
Peer median 18.4%
Within peer rangeVision
Not comparable
Commission is above 100% of the premium on this contract
Voluntary / worksite premium is typically paid by employees through payroll deduction, so commission on those lines comes out of employee money rather than company money.
Life is filed only inside a bundled multi-line contract, so there is no single-line rate to compare. The bundle's effective rate is in the table below.
Dental is not on this filing as its own contract, so there is no peer rate to show for it.
This page shows what was filed. The report shows what it means.
- What the gap is worth — the dollar difference vs. peer median, including a 3-year view
- The current structure compared against levels comparable plans actually reported
- A committee-ready PDF: full broker breakdown, renewal question set, and disclosure-request letter included
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Broker Compensation Benchmark Report
Peer distributions · dollar quantification · 3-year trajectory · modeled alternatives
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Where the $55,951 across all lines goes
Each broker and each benefit line, in dollars
How much broker pay rides inside the premium
Base commission against bonuses and other carrier payments, all funded through premium
Whether this number is drifting
Compensation across every filed year, against the peer median
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Line-item breakdown, multi-year trend, and methodology-backed framing — ready for fiduciary oversight and recordkeeping.
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Benefits covered (latest filing)
From the Form 5500 welfare benefit codes — the authoritative list of what the plan covers, including medical (health).
Broker history
Benefit lines covered by year — broker identity limited on public pages
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Commission rates by benefit line
Each insured contract on the filing, with the broker's commission as a share of that contract's own premium. Premium is what was paid to the carrier for the coverage; only the commission column is broker pay.
| Benefit line | Contract | Rate | vs. peers | Position |
|---|---|---|---|---|
| Medical ($0 premium) | Blue Care Network of Michigan | 4.9% | med 4.0% | Within peer range |
| Medical ($0 premium) | Blue Cross Blue Shield of Michigan | 5.1% | med 4.0% | Above peer range |
| Voluntary / worksitefiled as “Dental, Other (ACCIDENT/ VOLUNTARY…” | The Guardian Life Insurance Company of America | 20.6% | med 18.4% | Within peer range |
Bundled and other contracts — no single-line peer comparison
A bundled contract covers two or more lines on one premium (for example Health + Dental). Its effective rate is the commission on the whole premium; it is shown for completeness and never compared with single-line peers, because the mix of lines inside the bundle sets the rate as much as the broker does.
| Covers | Contract | Effective rate | vs. peers |
|---|---|---|---|
| Life + Short-term disability + Long-term disability | United of Omaha Life Insurance CompanyPlan 503 | 19.6% | Bundled; no single-line peer |
1 contract under $10,000 in premium — listed for completeness, not compared to peers. Show
- Vision — Fidelity Security Life Insurance Company — Commission is above 100% of the premium on this contract
How the peer group for each line was built
- Medical: n=1,578 contracts, Midwest, 1-100 covered lives
- Voluntary / worksite: n=2,080 contracts, Midwest, 1-100 covered lives
- Vision: n=3,182 contracts, Midwest, 101-500 covered lives
n = the number of peer contracts in that comparison group.
Everything in this table is from the 2024 filing. These 5 contracts are a subset of the broker compensation disclosed for that year. The remainder sits on contracts with no premium reported or on Schedule C service-provider fees, which carry no contract rate.
Who funds this. Voluntary / worksite premium is typically paid by employees through payroll deduction, so commission on those lines comes out of employee money rather than company money.
Peer comparison here is contract-level: each line is matched to single-line contracts covering a similar number of lives. The geography and size band come from that cell's generated scope label. That is a different group from the plan-level peer set, which compares employers on total broker cost per employee, so the two sample sizes are not expected to agree. The national table on the research page includes every single-line contract on that benefit line. Company pages use the tightest cell with at least 10 contracts — region and size when those exist, otherwise national. The two medians answer different questions, so they are not expected to match. Contracts under $10,000 in premium are listed for completeness, with no rate or peer position.
Plans on file
Expand a plan to see its insured contracts and year-over-year history — the details someone on the plan can recognize and verify.
PN 503M&M LUXURY AUTOMOTIVE, LLC HEALTH AND WELFARE BENE107 participants (2024)HealthDentalLife insuranceShort-term disabilityLong-term disabilityApprenticeship / trainingOtherSelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded). · 4 years on file
Loading contracts…
Covers = benefits reported on the Form 5500 (welfare benefit codes). Contracts = insured lines itemized on Schedule A; a self-funded medical line never appears there.
At a glance
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How do similar employers compare?
Employers in the same peer group (Retail, similar size), from public Form 5500 filings. Open one to see what it pays its broker.
- HAGOPIANMichiganCompensation disclosed →
- KIM'S CONVENIENCE STORES, INC.TexasCompensation disclosed →
- EDWARDS COMPANIES, LLCOhioCompensation disclosed →
- IFIXITCaliforniaCompensation disclosed →
- TRINITY TILE GROUP, LLCFloridaCompensation disclosed →
Browse more: Michigan employer health plans · Retail plans in Michigan · all states
Sourced from Form 5500 filings as submitted to the U.S. Department of Labor. Most recent plan year on file: 2024. Dataset refreshed October 7, 2026. Plan years are labeled by the year they begin, so a July 2024 – June 2025 plan year is 2024. Filings may lag 12–18 months behind the current plan year.
Report a data discrepancy
Unbrokered reports data as filed with the DOL. If you believe a figure is incorrect, tell us what it should be. We respond within 2 business days and, where the underlying filing has been amended, update on our next data refresh. We don't remove publicly filed information on request, but we do correct genuine errors.