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 7 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 | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Copying and duplicating; Contract Administrator; Participant communication Service code 13 | — | $224K |
| MORGAN STANLEY SMITH BARNEY, LLC EIN 20-8764829 NONE | Securities brokerage; Securities brokerage commissions and fees; Sales loads (front end and deferred); Other investment fees and expenses; Investment advisory (plan); Other fees; Custodial (securities); Direct payment from the plan Service code 19 | — | $66K |
| AMERICAN GRAPHICS PRINTING NONE | Copying and duplicating; Participant communication; Direct payment from the plan Service code 36 | 34895 GROESBECK HWY CLINTON TOWNSHIP, MI 48035 | $35K |
| BENDA, GRACE, STULZ & COMPANY P.C. EIN 38-2284921 SEE ATTACHED | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $17K |
| WATKINS, PAWLICK, CALATI & PRIFTI EIN 83-2893229 SEE ATTACHED | Legal; Direct payment from the plan Service code 29 | — | $15K |
| THE SEGAL COMPANY EIN 13-1975125 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $13K |
| ULLIANCE, INC NONE | Direct payment from the plan; Other services Service code 49 | 900 TOWER DR, 600 TROY, MI 48098 | $12K |
| STEFANSKY, HOLLOWAY & NICHOLS INC NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 22260 HAGGERTY RD, 350 NORTHVILLE, MI 48167 | $5K |
| AM FUNDS NONE | Investment management; Investment management fees paid indirectly by plan Service code 28 | PO BOX 6007 INDIANAPOLIS, IN 462066007 | $0 |
| ARISTOTLE NONE | Investment management; Investment management fees paid indirectly by plan Service code 28 | 489 5TH AVENUE, FLOOR 10 NY, NY 10017 | $0 |
| BAHLOR & GAINOR NONE | Investment management fees paid indirectly by plan; Investment management Service code 28 | 255 E. 5TH, STE 2700 CINCINNATI, OH 45202 | $0 |
| CLEARBRIDGE INVESTMENTS NONE | Investment management; Investment management fees paid indirectly by plan Service code 28 | 620 8TH AVENUE NY, NY 10009 | $0 |
| FEDERATED HERMES NONE | Investment management fees paid indirectly by plan; Investment management Service code 28 | 1001 LIBERTY AVE PITTSBURGH, PA 15222 | $0 |
| JOHN HANCOCK NONE | Investment management; Investment management fees paid indirectly by plan Service code 28 | 200 BERKELEY STREET BOSTON, MA 02116 | $0 |
| KAYNE ANDERSON EIN 56-2474626 NONE | Investment management; Investment management fees paid indirectly by plan Service code 28 | — | $0 |
| MARTIN CURRIE INVESTMENTS NONE | Investment management fees paid indirectly by plan; Investment management Service code 28 | 280 PARK AVENUE NEW YORK, NY 10017 | $0 |
| SAGE NONE | Investment management; Investment management fees paid indirectly by plan Service code 28 | 5902 SOUTHWEST PKWY, 1 AUSTIN, TX 78735 | $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 | 494 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 232 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 726 | 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 | 1,112 | $8.2M |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 681 | $123K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 681 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,112 | — |
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 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.