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 6 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 12 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 |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 8543 | Float revenue; Insurance services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Consulting (general); Other fees; Claims processing; Non-monetary compensation; Direct payment from the plan Service code 12 | 600 LAFAYETTE EAST DETRIOT, MI 48226 | $720K |
| GUYLAINE D DONAVAN AGENT/BROKER | Other fees; Insurance agents and brokers; Insurance brokerage commissions and fees; Non-monetary compensation; Other commissions Service code 22 | 85 CAMPAU AVE NW STE 100 GRAND RAPIDS, MI 49503 | $0 |
| HYLANT GROUP INC AGENT/BROKER | Other fees; Other commissions; Insurance brokerage commissions and fees; Insurance agents and brokers; Non-monetary compensation Service code 22 | PO BOX 1687 TOLEDO, OH 43603 | $0 |
| JAMES W WATSON AGENT/BROKER | Other fees; Other commissions; Insurance agents and brokers; Insurance brokerage commissions and fees; Non-monetary compensation Service code 22 | 45 COLDBROOK ST NW GRAND RAPIDS, MI 49503 | $0 |
| MICHAEL S HILL AGENT/BROKER | Insurance agents and brokers; Non-monetary compensation; Insurance brokerage commissions and fees; Other commissions; Other fees Service code 22 | 45 COLDBROOK ST NW GRAND RAPIDS, MI 49503 | $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 | 1,351 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,360 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL | 2,110 | $529K |
| Vision | VISION SERVICE PLAN | 881 | $132K |
| Life insurance | LIFE INSURANCE OF NORTH AMERICA | 1,351 | $253K |
| Long-term disability | LIFE INSURANCE OF NORTH AMERICAN | 135 | $170K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 2,389 | $1.4M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,351 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,389 | — |
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 broker changed. The plan may take a second-look pitch.