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 5 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 3 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 |
|---|---|---|---|
| BENESYS, INC. EIN 38-2383171 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 700 TOWER DR. SUITE 300 TROY, MI 48098 | $360K |
| ZELIS EIN 86-0217882 NONE | Claims processing; Direct payment from the plan Service code 12 | 744 OFFICE PARKWAY ST. LOUIS, MO 63141 | $296K |
| HINES & ASSOCIATES NONE | Other insurance fees and expenses; Direct payment from the plan; Consulting (general) Service code 16 | 115 EAST HIGHLAND AVE ELGIN, IL 60120 | $202K |
| LAW OFFICE OF JEFFREY M. LESSER EIN 38-3033865 NONE | Direct payment from the plan; Legal Service code 29 | 30300 NORTHWESTERN HWY FARMINGTON HILLS, MI 48334 | $57K |
| AMERICAN GRAPHICS PRINTING CO. EIN 38-2090931 NONE | Copying and duplicating; Direct payment from the plan Service code 36 | 34895 GROESBECK CLINTON TOWNSHIP, MI 48035 | $42K |
| COMERICA BANK EIN 42-1741646 NONE | Float revenue; Other fees; Other services; Custodial (securities); Direct payment from the plan; Shareholder servicing fees; Investment management Service code 19 | 411 W. LAFAYETTE DETROIT, MI 48226 | $40K |
| STEFANSKY, HOLLOWAY & NICHOLS EIN 38-2388845 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 22260 HAGGERTY STE 350 NORTHVILLE, MI 48167 | $28K |
| UNION SERVICES AGENCY EIN 38-3297465 NONE | Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $21K |
| BULTYNCK & CO., P.L.L.C. EIN 20-3920878 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 15985 CANAL ROAD CLINTON TOWNSHIP, MI 48038 | $17K |
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 | 2,500 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 130 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 44 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,674 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 205 | $764K |
| Dental | DELTA DENTAL OF MICHIGAN | 2,500 | $85K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 2,428 | $136K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 485 | $922K |
| Other(2 contracts, 2 carriers) | HAP PREFERRED INC. | 3,276 | $538K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,276 | — |
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.
The primary carrier changed from the prior filing. The plan is willing to move. Re-pitch on the next cycle.