See the carriers, broker commissions and premiums for this plan.
It also shows filing history and funding margin. Your first month is $4.99.
See 2 contract rows with premium, retention and renewal dates. $4.99 for your first month.
Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.
See commissions and fees for 2 broker rows. $4.99 for your first month.
Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIED OF MICHIGAN EIN 38-2069753 NONE | Insurance services; Float revenue; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Direct payment from the plan; Other fees; Contract Administrator Service code 12 | — | $363K |
| MORGAN STANLEY SMITH BARNEY EIN 20-8764829 NONE | Other services; Direct payment from the plan; Securities brokerage; Other investment fees and expenses; Other fees; Securities brokerage commissions and fees; Investment advisory (plan); Custodial (securities) Service code 19 | 855 FRANKLIN AVENUE GARDEN CITY, NY 11530 | $167K |
| LEGGHIO & ISRAEL, PC EIN 38-1971448 NONE | Legal Service code 29 | — | $156K |
| SEGAL CONSULTING EIN 13-1835864 NONE | Consulting (general) Service code 16 | — | $109K |
| TIC INTERNATIONAL CORPORATION EIN 13-2600875 NONE | Accounting (including auditing); Claims processing Service code 10 | — | $68K |
| MARQUETTE ASSOCIATES EIN 36-3485298 NONE | Investment advisory (plan) Service code 27 | — | $51K |
| DELTA DENTAL OF MICHIGAN EIN 38-1791480 NONE | Claims processing; Contract Administrator Service code 12 | — | $26K |
| CALIBRE CPA GROUP,PLLC EIN 47-0900880 NONE | Accounting (including auditing) Service code 10 | — | $20K |
| VISION SERVICE PLAN EIN 06-1227840 NONE | Claims processing Service code 12 | — | $11K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 7,521 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 698 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 8,219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 653 | $65K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY | 653 | $65K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY | 653 | $65K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 492 | $395K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 653 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Total premium grew more than 20% over the prior year. Good candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. This is either a small-plan minimum fee or an inefficient broker structure open to a counter-bid.
The top carrier holds over 85% of premium. A rate increase from that carrier moves the whole plan.