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 |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 NONE | Claims processing Service code 12 | — | $3.8M |
| DELTA DENTAL OF MICHIGAN EIN 38-1791480 NONE | Claims processing Service code 12 | — | $1.7M |
| BLUE CARE NETWORK OF MICHIGAN EIN 38-2359234 NONE | Claims processing Service code 12 | — | $108K |
| BENESYS, INC. EIN 38-2383171 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 700 TOWER DRIVE TROY, MI 48089 | $103K |
| ROOFERS UNION LOCAL 70 BENEFITS NONE | Other services Service code 49 | P.O. BOX 766 HOWELL, MI 488440766 | $64K |
| ROOFERS UNION LOCAL 70 PENSION FUND EIN 38-2754697 NONE | Other services Service code 49 | — | $47K |
| NATIONAL VISION ADMINISTRATORS, LLC EIN 43-0949844 NONE | Claims processing Service code 12 | — | $41K |
| DEBRA SACK EMPLOYEE | Employee (plan) Service code 30 | 253 DARTMOOR WHITMORE LAKE, MI 48189 | $30K |
| AETNA INC. NONE | Claims processing Service code 12 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $29K |
| LAURA LONDON EMPLOYEE | Employee (plan) Service code 30 | 210 S. NATIONAL HOWELL, MI 48843 | $27K |
| ROOFERS UNION LOCAL 70 NONE | Other services Service code 49 | P.O. BOX 116 HOWELL, MI 488440116 | $21K |
| ROOFERS JOINT EDUCATION TRUST FUND NONE | Other services Service code 49 | 1660 L STREET N.W. WASHINGTON, DC 20036 | $13K |
| BULTYNCK & CO., P.L.L.C. EIN 20-3920878 NONE | Accounting (including auditing) Service code 10 | 15985 CANAL ROAD CLINTON TOWNSHIP, MI 48038 | $12K |
| UNION SERVICES AGENCY NONE | Insurance services Service code 23 | 119 PERE MARQUETTE LANSING, MI 48912 | $10K |
| MONROE & ASSOCIATES, INC. NONE | Actuarial Service code 11 | 25901 W. 10 MILE, STE 200 SOUTHFIELD, MI 48033 | $9K |
| WRUBEL, WESLEY & COMPANY NONE | Other services Service code 49 | 31731 NORTHWESTERN HWY FARMINGTON HILLS, MI 48334 | $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 | 272 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 290 | 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 | 787 | $3.9M |
| Dental | DELTA DENTAL OF MICHIGAN | 804 | $168K |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 801 | $41K |
| Life insurance | AETNA LIFE INSURANCE CARRIER | 438 | $29K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 787 | $3.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 804 | — |
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.