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 7 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 2 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 |
|---|---|---|---|
| EXPRESS SCRIPTS, INC. EIN 43-1420563 NONE | Direct payment from the plan; Insurance agents and brokers Service code 22 | ONE EXPRESS WAY ST LOUIS, MO 63121 | $21.6M |
| BENESYS, INC. EIN 38-2383171 NONE | Direct payment from the plan; Plan Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 12 | 700 TOWER DR, SUITE 300 TROY, MI 48098 | $1.7M |
| THE UNION LABOR LIFE INSURANCE CO. EIN 13-1423090 NONE | Insurance services; Direct payment from the plan Service code 23 | — | $517K |
| NOVARA, TESIJA & CATENACCI, PLLC EIN 38-3763096 NONE | Direct payment from the plan; Legal Service code 29 | 888 W BIG BEAVER RD 600 TROY, MI 48084 | $247K |
| ZELIS CLAIMS INTEGRITY, LLC EIN 86-1040704 NONE | Other fees; Direct payment from the plan Service code 50 | 2 CROSSROADS DRIVE BEDMINSTER, NJ 07921 | $226K |
| ALLIANCE HEALTH & LIFE CORP. NONE | Direct payment from the plan; Insurance services Service code 23 | 2850 W GRAND BLVD DETROIT, MI 48202 | $110K |
| GOLDEN DENTAL PLANS, INC. EIN 38-2724203 NONE | Insurance services; Direct payment from the plan Service code 23 | — | $109K |
| BOYD WATTERSON ASSET MANAGEMENT LLC EIN 34-1922005 NONE | Investment management fees paid directly by plan; Investment management; Direct payment from the plan Service code 28 | 1301 E 9TH ST STE 2900 CLEVELAND, OH 44114 | $80K |
| AMERICAN GRAPHICS PRINTING CO. EIN 38-2090931 NONE | Copying and duplicating; Direct payment from the plan Service code 36 | 34895 GROESBECK HWY CLINTON TOWNSHIP, MI 48035 | $71K |
| CARPENTERS FRINGE BENEFIT FUNDS JDC EIN 38-3345174 COLLECTION PROGRAM | Direct payment from the plan; Other services Service code 49 | 22260 HAGGERTY RD STE 350 NORTHVILLE, MI 48167 | $59K |
| THE SEGAL COMPANY EIN 13-1975125 NONE | Direct payment from the plan; Investment management fees paid directly by plan; Investment management; Investment advisory (plan); Named fiduciary; Securities brokerage; Custodial (securities) Service code 19 | 333 WEST 34TH STREET NEW YORK, NY 10001 | $54K |
| 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 | $38K |
| MORGAN STANLEY GLOBAL BANKING EIN 13-2919773 NONE | Investment advisory (plan); Direct payment from the plan; Investment management; Securities brokerage; Custodial (securities); Named fiduciary; Investment management fees paid directly by plan Service code 19 | 101 W.BIG BEAVER RD S1200 TROY, MI 48084 | $26K |
| UNITED ACTUARIAL SERVICES, INC. EIN 35-2156428 NONE | Direct payment from the plan; Actuarial Service code 11 | 11590 N MERIDIAN ST 610 CARMEL, IN 46032 | $18K |
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 | 5,223 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,188 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,411 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BCBS - INDEPENDENCE ADMINISTRATORS | 6,051 | $49.5M |
| Dental(3 contracts, 2 carriers) | DELTA DENTAL OF MICHIGAN | 11,936 | $3.0M |
| Vision | VISION SERVICE PLAN | 6,028 | $396K |
| Prescription drug(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 2,760 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,936 | — |
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.