Filings through .
History & trajectory Charts need 2 or more years. This plan has 10 years on file. Pro shows premium, premium per covered life, covered lives and carrier and broker share for every year.
See pricingTotal premium grew more than 20% over the prior year. The plan is a good candidate to re-shop its carriers.
The primary carrier changed from the prior filing. The plan has shown it will move. Pitch it again on the next cycle.
The primary broker changed. The plan may listen to a new pitch.
Broker compensation exceeds 5% of premium. This is a small-plan minimum fee or a costly broker setup that a competing bid can beat.
The Schedule A insurance contracts show who carries the risk, for which benefits and for how many people.
| Carrier | Coverage | Premium |
|---|---|---|
Broker: Mac Queen & Associates Stop-loss | Stop-loss | |
Broker: Stealth Partners Group Stop-loss | Stop-loss | |
Broker: Macqueen Insurance Group Life | Life | |
Other | Other |
Premium, covered lives, retention, contract number and renewal month for each carrier are on Pro.
See premium, retention and renewal dates for 4 contracts with Pro. Pro is free for 7 days and then costs $49 a month.
These benefits are declared on the Form 5500 main form. A ✓ means the benefit also has a Schedule A insurance contract. Without one, plan assets or a Schedule C TPA fund the benefit.
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 300 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 28 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 328 | Active, retired or separated, and beneficiaries. Dependents are not counted. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMOANY | 335 | $23K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | UNION LABOR LIFE INSURANCE | 317 | $475K |
| Other | HEALTH ALLIANCE PLAN OF MICHIGAN | 2 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 335 | - |
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 instead of this filer's headcount. We show the row, but it does not count the people in this plan.
Brokers paid through Schedule A and service providers paid through Schedule C.
| Broker | Commissions |
|---|---|
Carrier: Union Labor Life Insurance | |
Carrier: HCC | |
Carrier: American United Life Insurance Comoany |
Commissions, fees, broker address and the carrier each broker is paid through are on Pro.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZELIS NONE | Other services; Consulting (pension); Participant communication; Direct payment from the plan Service code 17 | 2 CROSSROADS DRIVE BEDMINSTER, NJ 07920 | $127K |
| BENESYS INC EIN 38-6058023 NONE | Contract Administrator; Direct payment from the plan; Copying and duplicating; Participant communication; Other services Service code 13 | — | $97K |
| NOVARA LAW NONE | Legal; Direct payment from the plan Service code 29 | 888 WEST BIG BEAVER SUITE #600 TROY, MI 48084 | $48K |
| LMN LAW GROUP NONE | Legal; Direct payment from the plan Service code 29 | 5 HOT METAL STREET SUITE 203 PITTSBURGH, PA 15203 | $39K |
| HINES & ASSOCIATES EIN 36-3545085 NONE | Other services; Other fees; Direct payment from the plan Service code 49 | — | $35K |
| NFP HEALTH CONSULTANTS NONE | Direct payment from the plan; Other services; Consulting (general) Service code 16 | 38233 MOUND ROAD BUILDING F STERLING HEIGHTS, MI 48310 | $35K |
| MORGAN STANLEY EIN 26-4310632 NONE | Investment management; Consulting (general); Investment advisory (plan); Direct payment from the plan; Custodial (securities) Service code 16 | — | $33K |
| SAM PILGER EIN 33-1763533 TRUSTEE | Direct payment from the plan; Trustee (individual) Service code 20 | — | $23K |
| WRUBEL WESLEY & COMPANY CPAS EIN 38-2574238 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $14K |
| UNITED ACTUARIAL SERVICES NONE | Direct payment from the plan; Actuarial Service code 11 | 11590 NORTH MERIDAN STREET CARMEL, IN 460324529 | $7K |
This section shows how the plan is funded and what that means for risk.
Welfare charges, retention and retention rate (the carrier margin on this plan) are on Pro.
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10 filings · 2016 to 2025