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 | Contract Administrator Service code 13 | — | $217K |
| ENVISION PHARMACEUTICAL SERVICES EIN 05-0570786 NONE | Claims processing Service code 12 | — | $28K |
| SACHS WALDMAN PROFESSIONAL CORP EIN 38-1905521 SEE ATTACHED | Legal Service code 29 | — | $14K |
| WELLS FARGO ADVISORS, LLC EIN 34-1542819 NONE | Investment advisory (plan) Service code 27 | — | $13K |
| BENDA, GRACE, STULZ & COMPANY PC EIN 38-2284921 SEE ATTACHED | Accounting (including auditing) Service code 10 | — | $13K |
| STEFANSKY, HOLLOWAY & NICHOLS, INC EIN 38-2388845 NONE | Accounting (including auditing) Service code 10 | — | $9K |
| THE SEGAL COMPANY, INC EIN 13-1975125 NONE | Actuarial Service code 11 | — | $9K |
| AMERICAN GRAPHICS PRINTING NONE | Copying and duplicating Service code 36 | 34895 GROSBECK HIGHWAY CLINTON TOWNSHIP, MI 48035 | $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 | 468 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 241 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 709 | 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 | 1,082 | $5.9M |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 665 | $90K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 665 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,082 | — |
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."
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.