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 | Other commissions; Insurance services; Insurance agents and brokers; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Other fees; Claims processing; Insurance brokerage commissions and fees; Non-monetary compensation; Direct payment from the plan Service code 12 | 600 E LAFAYETTE ST DETROIT, MI 48226 | $4.2M |
| DELTA DENTAL OF MICHIGAN EIN 38-1791480 NONE | Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Contract Administrator; Direct payment from the plan; Insurance services; Other fees Service code 12 | 4100 OKEMOS ROAD OKEMOS, MI 48864 | $241K |
| BENESYS, INC. EIN 38-2383171 NONE | Plan Administrator; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Accounting (including auditing); Direct payment from the plan; Contract Administrator; Copying and duplicating Service code 10 | 700 TOWER DRIVE TROY, MI 48089 | $120K |
| BLUE CARE NETWORK OF MICHIGAN EIN 38-2359234 NONE | Claims processing; Other fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Insurance services; Direct payment from the plan Service code 12 | 20500 CIVIC CENTER DR SOUTHFIELD, MI 48076 | $70K |
| NATIONAL VISION ADMINISTRATORS, LLC EIN 43-0949844 NONE | Direct payment from the plan; Insurance services; Consulting (general); Other fees; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | 1200 US-46 CLIFTON, NJ 07013 | $44K |
| LAURA LONDON EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | 210 S NATIONAL HOWELL, MI 48843 | $36K |
| ROOFERS JOINT EDUCATION TRUST FUND EIN 16-6036596 NONE | Other services; Direct payment from the plan Service code 49 | 1660 L STREET NW WASHINGTON, DC 20036 | $31K |
| ONE AMERICA EIN 35-0145825 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 | ONE AMERICAN SQ PO BOX368 INDIANAPOLIS, IN 46206 | $30K |
| BULTYNCK & CO., PLLC EIN 20-3920878 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 15985 CANAL ROAD CLINTON TOWNSHIP, MI 48038 | $13K |
| SEGAL SELECT INSURANCE SERVICES EIN 46-0619194 NONE | Insurance services; Insurance agents and brokers; Direct payment from the plan Service code 22 | 333 WEST 34TH STREET NEW YORK, NY 10001 | $13K |
| MONROE & ASSOCIATES, INC. NONE | Actuarial; Direct payment from the plan Service code 11 | 25901 W 10 MILE STE 200 248-354-6220 SOUTHFIELD, MI 48033 | $11K |
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 | 363 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 390 | 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 | 819 | $4.1M |
| Dental | DELTA DENTAL OF MICHIGAN | 811 | $241K |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 823 | $44K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 288 | $28K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 819 | $4.1M |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 288 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 823 | — |
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."
Total premium grew more than 20% over the prior year. Good candidate for re-shopping the carriers.
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.