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 3 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 | Insurance services Service code 23 | — | $567K |
| NOVARA, TESIJA & CATENACCI, PLLC EIN 38-3763096 NONE | Direct payment from the plan Service code 50 | 2000 TOWN CENTER 2350 SOUTHFIELD, MI 48075 | $115K |
| TIC INTERNATIONAL CORPORATION EIN 13-2600875 NONE | Direct payment from the plan Service code 50 | — | $92K |
| STRATEGIC CAPITAL INV ADVISORS, INC EIN 36-4268991 NONE | Direct payment from the plan Service code 50 | — | $20K |
| BULTYNCK & CO., P.L.L.C. EIN 20-3920878 NONE | Direct payment from the plan Service code 50 | 15985CANAL ROAD CLINTON TOWNSHIP, MI 48038 | $15K |
| STEFANSKY, HOLLOWAY & NICHOLS INC. NONE | Accounting (including auditing) Service code 10 | 22260 HAGGERTY ROAD NORTHVILLE, MI 48167 | $12K |
| UNITED ACTUARIAL SERVICES, INC. EIN 35-2156428 NONE | Direct payment from the plan Service code 50 | — | $7K |
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 | 101 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 637 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,965 | $439K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 13 | $6K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 626 | $603K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 2,965 | $433K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,965 | — |
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.
Broker compensation exceeds 5% of premium. This is either a small-plan minimum fee or an inefficient broker structure open to a counter-bid.