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 2 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.
No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BOYD WATTERSON GLOBAL ASSET MGT GRO EIN 20-8444031 CONSULTANT | Consulting (general) Service code 16 | 1301 EAST 9TH STREET, STE 2900 CLEVELAND, OH 44114 | $110K |
| MORGAN STANLEY DOMESTIC HOLDINGS EIN 20-8764829 CONSULTING | Consulting (general) Service code 16 | 1585 BROADWAY AVENUE NEW YORK, NY 10036 | $100K |
| COMERICA BANK EIN 42-1741646 | Custodial (securities); Trustee (bank, trust company, or similar financial institution) Service code 19 | 1717 MAIN STREET DALLAS, TX 75201 | $57K |
| MILLIMAN EIN 90-1675641 ACTUARY | Recordkeeping and information management (computing, tabulating, data processing, etc.); Actuarial Service code 11 | 15800 W BLUEMOUND ROUND, SUITE 100 BROOKFIELD, WI 530056043 | $28K |
| MANER COSTERISAN, P.C. EIN 38-2157642 | Accounting (including auditing) Service code 10 | 2425 E GRAND RIVER AVE LANSING, MI 48912 | $14K |
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 | 536 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 975 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 41 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,552 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 743 | $6.8M |
| Dental | DELTA DENTAL PLAN OF MICHIGAN | 722 | $910K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 743 | $6.8M |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 743 | $6.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 743 | — |
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."
Broker comp is under 1% of premium on a plan over $1M. The plan may have no broker or pay a flat fee. Consultant sales target.
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.
The filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported. Worth a call.