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; Recordkeeping and information management (computing, tabulating, data processing, etc.); Participant communication; Direct payment from the plan; Copying and duplicating Service code 13 | — | $227K |
| MORGAN STANLEY SMITH BARNEY, LLC EIN 20-8764829 NONE | Custodial (securities); Direct payment from the plan; Securities brokerage commissions and fees; Investment advisory (plan); Sales loads (front end and deferred); Other investment fees and expenses; Securities brokerage; Other fees Service code 19 | — | $75K |
| WATKINS, PAWLICK, CALATI & PRIFTI EIN 83-2893229 SEE ATTACHED | Legal; Direct payment from the plan Service code 29 | — | $19K |
| AMERICAN GRAPHICS PRINTING NONE | Direct payment from the plan; Participant communication; Copying and duplicating Service code 36 | 34895 GROESBECK HWY CLINTON TWP, MI 48035 | $18K |
| BENDA, GRACE, STULZ & COMPANY P.C. EIN 38-2284921 SEE ATTACHED | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $16K |
| ULLIANCE, INC. NONE | Direct payment from the plan; Other services Service code 49 | 900 TOWER DR, 600 TROY, MI 48098 | $11K |
| THE SEGAL COMPANY EIN 13-1975125 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $8K |
| ARISTOTLE NONE | Investment management; Investment management fees paid indirectly by plan Service code 28 | 489 5TH AVENUE, 10TH FL NY, NY 10017 | $0 |
| BAHLOR & GAINOR NONE | Investment management; Investment management fees paid indirectly by plan 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 EIGHT AVENUE NY, NY 10009 | $0 |
| FEDERATED HERMES FUNDS NONE | Investment management; Investment management fees paid indirectly by plan Service code 28 | PO BOX 219318 KANSAS CITY, MO 641219318 | $0 |
| JOHN HANCOCK NONE | Investment management fees paid indirectly by plan; Investment management Service code 28 | 200 BERKELEY ST. BOSTON, MA 02108 | $0 |
| KAYNE ANDERSON NONE | Investment management; Investment management fees paid indirectly by plan Service code 28 | — | $0 |
| LORD ABBOTT NONE | Investment management; Investment management fees paid indirectly by plan Service code 28 | PO BOX 219336 KANSAS CITY, MO 64121 | $0 |
| MARTIN CURRIE INVESTMENT NONE | Investment management fees paid indirectly by plan; Investment management Service code 28 | — | $0 |
| SAGE NONE | Investment management fees paid indirectly by plan; Investment management 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 | 538 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 226 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 764 | 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 | 1,139 | $7.5M |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 645 | $116K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 645 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,139 | — |
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.