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 5 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 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees; Claims processing; Direct payment from the plan; Consulting (general); Insurance services Service code 12 | — | $3.3M |
| MORGAN STANLEY NONE | Custodial (securities); Investment management fees paid directly by plan; Securities brokerage; Direct payment from the plan; Investment management Service code 19 | 34901 WOODWARD AVE 248-258-1750 BIRMINGHAM, MI 48009 | $168K |
| DELTA DENTAL OF MICHIGAN EIN 38-1791480 NONE | Other fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Direct payment from the plan; Insurance services; Claims processing Service code 12 | — | $159K |
| BENESYS, INC. EIN 38-2383171 NONE | Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | 700 TOWER DRIVE TROY, MI 48089 | $99K |
| BLUE CARE NETWORK OF MICHIGAN EIN 38-2359234 NONE | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Insurance services; Other fees; Direct payment from the plan Service code 12 | — | $87K |
| ROOFERS UNION LOCAL 70 BENEFITS EMPLOYEE BENEFIT FUNDS | Direct payment from the plan; Other services Service code 49 | P.O. BOX 766 HOWELL, MI 488440766 | $61K |
| NATIONAL VISION ADMINISTRATORS, LLC EIN 43-0949844 NONE | Other fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Insurance services; Claims processing; Direct payment from the plan Service code 12 | — | $39K |
| 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 |
| UNITED OF OMAHA LIFE INSURANCE CO. EIN 47-0322111 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Insurance services; Direct payment from the plan; Claims processing; Other fees Service code 12 | — | $24K |
| ROOFERS UNION LOCAL 70 PLAN SPONSOR | Direct payment from the plan; Other services Service code 49 | P.O. BOX 116 HOWELL, MI 488440116 | $18K |
| 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 | $14K |
| ROOFERS JOINT EDUCATION TRUST FUND NONE | Other services; Direct payment from the plan Service code 49 | 1660 L STREET N.W. WASHINGTON, DC 20036 | $12K |
| UNION SERVICES AGENCY NONE | Insurance services; Direct payment from the plan Service code 23 | 119 PERE MARQUETTE LANSING, MI 48912 | $10K |
| MONROE & ASSOCIATES, INC. NONE | Actuarial; Direct payment from the plan 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 | 264 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 286 | 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 | 732 | $3.4M |
| Dental | DELTA DENTAL OF MICHIGAN | 656 | $159K |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 746 | $39K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 254 | $33K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 732 | $3.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 746 | — |
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.