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 5 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 4 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; Consulting (general) Service code 15 | 700 TOWER DRIVE TROY, MI 48089 | $89K |
| ROOFERS UNION LO. 70 BENEFIT FUNDS EMPLOYEE BENEFIT FUNDS | Other services; Direct payment from the plan Service code 49 | P.O. BOX 766 HOWELL, MI 488440766 | $60K |
| DEBRA SACK EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | 253 DARTMOOR WHITMORE LAKE, MI 48189 | $29K |
| LAURA LONDON EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | 210 S. NATIONAL HOWELL, MI 48843 | $28K |
| ROOFERS UNION LOCAL 70 PLAN SPONSOR | Other services; Direct payment from the plan Service code 49 | P.O. BOX 116 HOWELL, MI 488440116 | $19K |
| MARK WOODWARD EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | 142 BURT JACKSON, MI 49201 | $12K |
| BULTYNCK & CO., P.L.L.C. EIN 20-3920878 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 15985 CANAL ROAD CLINTON TOWNSHIP, MI 48038 | $11K |
| UNION SERVICES AGENCY NONE | Direct payment from the plan; Insurance services Service code 23 | 119 PERE MARQUETTE LANSING, MI 48912 | $10K |
| ROOFERS JOINT EDUCATION TRUST FUND NONE | Direct payment from the plan; Other services Service code 49 | 1660 L STREET N.W. WASHINGTON, DC 20036 | $10K |
| MONROE & ASSOCIATES, INC. NONE | Direct payment from the plan; Actuarial Service code 11 | 25901 W. 10 MILE, STE 200 SOUTHFIELD, MI 48033 | $8K |
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 | 228 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 241 | 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 | 694 | $2.8M |
| Dental | DELTA DENTAL OF MICHIGAN | 656 | $148K |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 680 | $32K |
| Life insurance | MUTUAL OF OMAHA | 223 | $29K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 694 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 694 | — |
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.
Schedule A changed between filings. The plan moved between insured and self-funded, or contracts were added or removed. The transition window is open.