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 1 broker row. $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 |
|---|---|---|---|
| MBWWA SERVICES, INC. EIN 38-2932058 PLAN SPONSOR SUBSIDIARY | Plan Administrator Service code 14 | — | $459K |
| GALLAGHER BENEFIT SERVICES CONSULTANT | Consulting (general) Service code 16 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | $95K |
| MANER COSTERISAN PC EIN 38-2157642 AUDITOR | Accounting (including auditing) Service code 10 | 2425 E GRAND RIVER AVE, STE 1 LANSING, MI 48912 | $20K |
| CLARK HILL PLC EIN 38-0425840 ATTORNEY | Legal Service code 29 | 500 WOODWARD AVENUE, SUITE 3500 DETROIT, MI 48226 | $19K |
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 | 1,381 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,393 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 2,718 | $21.2M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 2,718 | $21.2M |
| Vision | VISION SERVICE PLAN | 1,197 | $111K |
| Short-term disability | THE HARTFORD LIFE & ACCIDENT | 1,300 | $277K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 2,718 | $21.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,718 | — |
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."
Broker comp is under 1% of premium on a plan over $1M. The plan may have no broker or pay a flat fee. Consultant sales target.
The top carrier holds over 85% of premium. A rate increase from that carrier moves the whole plan.
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.
Multiple-employer welfare arrangement. It has its own regulatory and compliance rules.