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 4 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 4 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 EIN 38-2069753 NONE | Float revenue; Other fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Insurance services; Claims processing; Consulting (general); Direct payment from the plan; Contract Administrator Service code 12 | — | $355K |
| BENESYS EIN 38-2383171 NONE | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Claims processing Service code 12 | — | $93K |
| LEGACY PARTNERS INSURANCE SERVICES NONE | Insurance services; Consulting fees; Direct payment from the plan Service code 23 | 33304 GRAND RIVER FARMINGTON, MI 48336 | $44K |
| WATKINS, PAWLICK, CALATI & PRIFTI P NONE | Legal; Direct payment from the plan Service code 29 | 1423 EAST 12 MILE ROAD MADISON HEIGHTS, MI 48071 | $32K |
| PNC BANK NONE | Account maintenance fees; Direct payment from the plan Service code 50 | ONE FINACIAL PARKWAY KALAMAZOO, MI 49009 | $15K |
| THE SEGAL COMPANY EIN 06-0839113 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $11K |
| MORGAN STANLEY SMITH BARNEY EIN 13-2655998 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $10K |
| WRUBEL WESLEY AND COMPANY C.P.A.'S EIN 38-2574238 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $8K |
| AMERICAN GRAPHICS PRINTING NONE | Other services; Direct payment from the plan Service code 49 | 34895 GROESBECK HIGHWAY CLINTON TOWNSHIP, MI 48035 | $7K |
| STEFANSKY AND HOLLOWAY NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 22260 HAGGERTY ROAD SUITE #350 NORTHVILLE, MI 481678983 | $6K |
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 | 295 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 67 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 362 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 93 | $363K |
| Dental | DELTA DENTAL OF MICHIGAN | 859 | $307K |
| Life insurance | UNION LABOR LIFE INSURANCE COMPANY | 291 | $38K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 93 | $363K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 297 | $1.3M |
| Other | UNION LABOR LIFE INSURANCE COMPANY | 291 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 859 | — |
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."
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.