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 6 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 5 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 |
|---|---|---|---|
| ZELIS EIN 86-0217882 NONE | Insurance services; Direct payment from the plan Service code 23 | 744 OFFICE PARKWAY ST. LOUIS, MO 63141 | $444K |
| BENESYS, INC. EIN 38-2383171 NONE | Plan Administrator; Direct payment from the plan Service code 14 | 700 TOWER DR. SUITE 300 TROY, MI 48098 | $402K |
| HINES & ASSOCIATES EIN 36-3545085 NONE | Other insurance fees and expenses; Direct payment from the plan; Consulting (general) Service code 16 | 115 EAST HIGHLAND AVE ELGIN, IL 60120 | $233K |
| 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 | $78K |
| 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 | $58K |
| COMERICA BANK EIN 42-1741646 NONE | Investment management; Other services; Other fees; Direct payment from the plan; Shareholder servicing fees; Float revenue; Custodial (securities) Service code 19 | 411 W. LAFAYETTE DETROIT, MI 48226 | $42K |
| SEGAL SELECT INSURANCE SERVICES EIN 46-0619194 NONE | Direct payment from the plan; Insurance services Service code 23 | 333 WEST 34TH STREET NEW YORK, NY 10001 | $31K |
| 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 | $20K |
| 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 |
| UNITED ACTUARIAL SERVICES, INC. EIN 35-2156428 NONE | Direct payment from the plan; Actuarial Service code 11 | 11590 NORTH MERIDIAN ST CARMEL, IN 46032 | $8K |
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 | 2,900 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 131 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 42 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,073 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 210 | $695K |
| Dental | DELTA DENTAL OF MICHIGAN | 0 | $0 |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 3,398 | $175K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 3,134 | $1.3M |
| Other(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 3,398 | $175K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,398 | — |
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."
The primary carrier changed from the prior filing. The plan is willing to move. Re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. This is either a small-plan minimum fee or an inefficient broker structure open to a counter-bid.