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 5 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 | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Consulting (general); Insurance services; Other fees; Float revenue; Direct payment from the plan Service code 12 | — | $228K |
| BENESYS EIN 38-2383171 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing; Direct payment from the plan Service code 12 | — | $93K |
| WATKINS, PAWLICK, CALATI & PRIFTI P NONE | Legal; Direct payment from the plan Service code 29 | 1423 EAST 12 MILE ROAD MADISON HEIGHTS, MI 48071 | $40K |
| ASSURED PARTNERS OF MICHIGAN LLC NONE | Consulting fees; Direct payment from the plan; Insurance services Service code 23 | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | $36K |
| PNC BANK NONE | Account maintenance fees; Direct payment from the plan Service code 50 | ONE FINACIAL PARKWAY KALAMAZOO, MI 49009 | $20K |
| MADDIN, HAUSER, ROTH & HELLER NONE | Legal; Direct payment from the plan Service code 29 | ONE TOWN SQUARE FIFTH FLOOR SOUTHFIELD, MI 48076 | $13K |
| 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 |
| AMERICAN GRAPHICS PRINTING NONE | Other services; Direct payment from the plan Service code 49 | 34895 GROESBECK HIGHWAY CLINTON TOWNSHIP, MI 48035 | $8K |
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 | 264 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 93 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 357 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 89 | $436K |
| Dental | DELTA DENTAL OF MICHIGAN | 806 | $270K |
| Life insurance | UNION LABOR LIFE INSURANCE COMPANY | 276 | $38K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 89 | $436K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | THE UNION LABOR LIFE INSURANCE COMPANY | 715 | $1.0M |
| Other | UNION LABOR LIFE INSURANCE COMPANY | 276 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 806 | — |
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."
The primary carrier changed from the prior filing. The plan is willing to move. Re-pitch on the next cycle.
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.