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 3 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 | Claims processing Service code 12 | — | $562K |
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 NONE | Claims processing Service code 12 | — | $385K |
| MORGAN STANLEY SMITH BARNEY, LLC EIN 26-4310632 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $116K |
| SACHS WALDMAN, PC EIN 38-1905521 NONE | Legal Service code 29 | — | $88K |
| DELTA DENTAL OF MICHIGAN EIN 38-1791480 NONE | Claims processing Service code 12 | — | $65K |
| STEFANSKY, HOLLOWAY & NICHOLS EIN 38-2388845 NONE | Accounting (including auditing) Service code 10 | — | $57K |
| ENVISION RX EIN 90-1011712 NONE | Claims processing Service code 12 | — | $44K |
| PNC FINANCIAL SERVICES GROUP NONE | Custodial (other than securities) Service code 18 | 755 W BIG BEAVER, STE 24 TROY, MI 48084 | $41K |
| PLANTE & MORAN, PLLC EIN 38-1357951 NONE | Accounting (including auditing) Service code 10 | — | $35K |
| ULLIANCE, INC. NONE | Other services Service code 49 | 900 TOWER DRIVE 600 TROY, MI 48098 | $26K |
| ERMAN, TEICHER, MILLER, ZUCKER PC NONE | Legal Service code 29 | 400 GALLERIA OFFICENTRE SOUTHFIELD, MI 48034 | $20K |
| AMERICAN GRAPHICS PRINTING CO. EIN 38-2090931 NONE | Copying and duplicating Service code 36 | — | $16K |
| TRUVERIS, INC. EIN 27-4345686 NONE | Consulting (general) Service code 16 | — | $12K |
| THE SEGAL COMPANY, INC. EIN 13-1975125 NONE | Actuarial Service code 11 | — | $7K |
| AMI ASSET MANAGEMENT NONE | Investment management Service code 28 | 10866 WILSHIRE, STE 770 LOS ANGELES, CA 90024 | $0 |
| BOYD WATTERSON NONE | Investment management Service code 28 | 1801 E 9TH ST, STE 1400 CLEVELAND, OH 44114 | $0 |
| CAMBIAR INVESTORS NONE | Investment management Service code 28 | P.O. BOX 219009 KANSAS CITY, MO 64121 | $0 |
| CLEARBRIDGE INVESTMENTS NONE | Investment management Service code 28 | 620 EIGHT AVENUE NEW YORK, NY 10018 | $0 |
| DELAWARE INVESTMENTS NONE | Investment management Service code 28 | 2005 MARKET STREET PHILADELPHIA, PA 19103 | $0 |
| EARNEST PARTNERS NONE | Investment management Service code 28 | 1180 PEACHTREE, STE 2300 ATLANTA, GA 30309 | $0 |
| INVESCO NONE | Investment management Service code 28 | 1555 PEACHTREE, STE 1800 ATLANTA, GA 30309 | $0 |
| MASSACHUSETTS FINANCIAL SERVICES CO EIN 04-2747644 NONE | Investment management Service code 28 | — | $0 |
| WESTERN ASSET MANAGEMENT NONE | Investment management Service code 28 | 385 E COLORADO BLVD PASADENA, CA 91101 | $0 |
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 | 1,116 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 724 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 17 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,857 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN MEDICARE ADVANTAGE | 1,012 | $5.4M |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN MEDICARE ADVANTAGE | 1,012 | $5.4M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 932 | $455K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,012 | — |
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.
The primary broker changed. The plan may take a second-look pitch.
Premium per covered life exceeds 2x the peer median for this NAICS and size cohort. The plan is either richly funded or stuck with a bad rate.