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 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 |
|---|---|---|---|
| PROFESSIONAL BENEFIT SERVICES INC EIN 38-3036973 CONTROLLED ENTITY | Claims processing Service code 12 | 5300 PATTERSON SE, 150 GRAND RAPIDS, MI 49512 | $883K |
| VISION SERVICE PLAN NONE | Direct payment from the plan Service code 50 | P O 742788 LOS ANGELES, CA 90074 | $675K |
| EMERGENCY HEALTH INSURANCE MGMT EIN 38-2776173 NONE | Claims processing Service code 12 | — | $350K |
| DELTA DENTAL OF MICHIGAN EIN 38-1791480 NONE | Claims processing Service code 12 | P O BOX 9089 FARMINGTON HILLS, MI 48333 | $208K |
| HEALTHCARE BLUEBOOK EIN 46-4399706 NONE | Other services Service code 49 | 330 FRANKLIN RD, 135 BRENTWOOD, TN 37027 | $181K |
| HEALTH DECISIONS INC. EIN 38-2686266 NONE | Other services Service code 49 | 409 PLYMOUTH RD PLYMOUTH, MI 48170 | $143K |
| PNC BANK INSTITUTIONAL INVESTMENTS EIN 25-1211909 NONE | Custodial (securities) Service code 19 | 2 PNC PLAZA, 620 LIBERTY PITTSBURGH, PA 15222 | $112K |
| CHERYL SEISSER EIN 38-1393235 EMPLOYEE (WAGES PAID) | Employee (plan) Service code 30 | P O BOX 71337 MADISON HEIGHTS, MI 48071 | $85K |
| E CRAIG YOUNG EIN 38-1393235 EMPLOYEE (WAGES PAID) | Employee (plan) Service code 30 | P O BOX 71337 MADISON HEIGHTS, MI 48071 | $65K |
| BRANDYWINE GLOBAL INVESTMENT MGMT EIN 51-0294065 NONE | Investment management Service code 28 | P O BOX 7777 PHILADELPHIA, PA 19175 | $61K |
| MORGAN STANLEY EIN 94-1671384 NONE | Investment advisory (plan) Service code 27 | 34901 WOODWARD AVE, 300 BIRMINGHAM, MI 48009 | $57K |
| BENESYS INC EIN 38-2383171 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 700 TOWER DR, STE 300 TROY, MI 48098 | $57K |
| SVS/SPECTERA VISION INC EIN 38-3353735 NONE | Claims processing Service code 12 | 140 MACOMB PLACE MT CLEMENS, MI 48043 | $51K |
| CLARKSTON CAPITAL PARTNERS NONE | Investment management Service code 28 | 91 W LONG LAKE RD BLOOMFIELD HILLS, MI 48304 | $47K |
| JESSICA CYPRUS EIN 38-1393235 EMPLOYEE (WAGES PAID) | Employee (plan) Service code 30 | P O BOX 71337 MADISON HEIGHTS, MI 48071 | $47K |
| MICHELE DAVIS EIN 38-1393235 EMPLOYEE (WAGES PAID) | Employee (plan) Service code 30 | P O BOX 71337 MADISON HEIGHTS, MI 48071 | $42K |
| MCCLAIN SMITH & WENZ, PC EIN 38-3382520 AUDITOR OF PARENT ORGANIZ | Accounting (including auditing) Service code 10 | 6915 ROCHESTER RD, 100 TROY, MI 48085 | $39K |
| SACHS WALDMAN PC EIN 38-1905521 NONE | Legal Service code 29 | 1423 E 12 MILE MADISON HEIGHTS, MI 48071 | $37K |
| PROSERVE HEALTH INFORMATICS NONE | Other services Service code 49 | P O BOX 968 CUYAHOGA FALLS, OH 44223 | $20K |
| SEIZERT CAPITAL PARTNERS EIN 35-3553488 NONE | Investment management Service code 28 | 185 OAKLAND AVE., 100 BIRMINGHAM, MI 48009 | $20K |
| UNITED ACTUARIAL SERVICES INC EIN 35-1369500 NONE | Actuarial Service code 11 | 11590 N MERIDIAN, 610 CARMEL, IN 46032 | $14K |
| AMERICAN GRAPHICS PRINTING CO NONE | Copying and duplicating Service code 36 | 34895 GROESBECK CLINTON TWP, MI 48035 | $9K |
| ERMAN TEICHER ZUCKER & FREEDMAN PC EIN 38-1468534 NONE | Legal Service code 29 | 400 GALLERIA OFFICENTRE SOUTHFIELD, MI 48034 | $8K |
| PAYPAL NONE | Other services Service code 49 | 2211 N. FIRST ST SAN JOSE, CA 95131 | $5K |
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 | 3,748 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,767 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,518 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 2,350 | $10.5M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 5,145 | $793K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 3,590 | $187K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 5,145 | $793K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,145 | — |
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.
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.