Filings through .
History & trajectory Charts need 2 or more years. This plan has 3 years on file. Pro shows premium, premium per covered life, covered lives and carrier and broker share for every year.
See pricingThe primary carrier changed from the prior filing. The plan has shown it will move. Pitch it again on the next cycle.
The primary broker changed. The plan may listen to a new pitch.
Broker compensation exceeds 5% of premium. This is a small-plan minimum fee or a costly broker setup that a competing bid can beat.
The Schedule A insurance contracts show who carries the risk, for which benefits and for how many people.
Premium, covered lives, retention, contract number and renewal month for each carrier are on Pro.
See premium, retention and renewal dates for 11 contracts with Pro. Pro is free for 7 days and then costs $49 a month.
These benefits are declared on the Form 5500 main form. A ✓ means the benefit also has a Schedule A insurance contract. Without one, plan assets or a Schedule C TPA fund the benefit.
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 2,394 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,394 | Active, retired or separated, and beneficiaries. Dependents are not counted. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 4,484 | $1.6M |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 3,805 | $175K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,378 | $682K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,378 | $391K |
| Other(7 contracts, 5 carriers) | UNUM INSURANCE COMPANY | 2,394 | $801K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,484 | - |
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 instead of this filer's headcount. We show the row, but it does not count the people in this plan.
Brokers paid through Schedule A and service providers paid through Schedule C.
Commissions, fees, broker address and the carrier each broker is paid through are on Pro.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNUM LIFE INSURANCE COMPANY EIN 01-0278678 | Other commissions; Insurance brokerage commissions and fees; Non-monetary compensation; Insurance agents and brokers Service code 22 | 1 FOUNTAIN SQUARE CHATTANOOGA, TN 37402 | $55K |
| FIDELITY INVESTMENTS EIN 04-2647786 | Claims processing Service code 12 | PO BOX 73307 CHICAGO, IL 60673 | $36K |
| UNUM LIFE INSURANCE EIN 04-2381280 | Insurance agents and brokers; Non-monetary compensation; Insurance brokerage commissions and fees; Other commissions Service code 22 | 1 FOUNTAIN SQUARE CHATTANOOGA, TN 37402 | $10K |
| DELTA DENTAL OF MICHIGAN EIN 38-1791480 | Non-monetary compensation; Other fees; Insurance agents and brokers; Insurance brokerage commissions and fees; Other commissions Service code 22 | 4100 OKEMOS RD OKEMOS, MI 48864 | $0 |
This section shows how the plan is funded and what that means for risk.
Welfare charges, retention and retention rate (the carrier margin on this plan) are on Pro.
5 contacts
Phone and email for the actuary are on Pro.
3 filings · 2023 to 2025