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 |
|---|---|---|---|
| BENESYS, INC. EIN 38-2383171 NONE | Copying and duplicating; Claims processing; Plan Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Direct payment from the plan; Contract Administrator; Accounting (including auditing) Service code 10 | 700 TOWER DRIVE TROY, MI 48089 | $122K |
| 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 | $35K |
| BULTYNCK & CO., PLLC EIN 20-3920878 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 15985 CANAL ROAD CLINTON TOWNSHIP, MI 48038 | $15K |
| MONROE & ASSOCIATES, INC. NONE | Direct payment from the plan; Actuarial Service code 11 | 25901 W 10 MILE STE 200 248-354-6220 SOUTHFIELD, MI 48033 | $12K |
| 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 | $11K |
| BENDA, GRACE, STULZ & CO EIN 38-2284921 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 38800 VAN DYKE STERLING HEIGHTS, MI 48312 | $9K |
| PNC BANK EIN 22-1146430 NONE | Direct payment from the plan; Other fees Service code 50 | 300 FIFTH AVENUE PITTSBURGH, PA 15222 | $8K |
| JAMES D. NAIDA, PC NONE | Direct payment from the plan; Legal Service code 29 | 32100 TELEGRAPH, STE 211 248-513-6175 BINGHAM FARMS, MI 48025 | $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 | 449 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 474 | 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 | 778 | $4.8M |
| Dental | DELTA DENTAL OF MICHIGAN | 796 | $246K |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 814 | $45K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 271 | $25K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 778 | $4.8M |
| Other(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 271 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 814 | — |
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.