Filings through .
History & trajectory Charts need 2 or more years. This plan has 10 years on file. Pro shows premium, premium per covered life, covered lives and carrier and broker share for every year.
See pricingPremium per covered life exceeds 2x the peer median for this NAICS and size cohort. The plan has rich benefits or a bad rate.
The Schedule A insurance contracts show who carries the risk, for which benefits and for how many people.
| Carrier | Coverage | Premium |
|---|---|---|
Broker: Michael G Buck HealthRx | HealthRx | |
Broker: Amwins Self-Funded LLC Stop-loss | Stop-loss | |
LifeOther | LifeOther |
Premium, covered lives, retention, contract number and renewal month for each carrier are on Pro.
See premium, retention and renewal dates for 3 contracts with Pro. Pro is free for 7 days and then costs $49 a month.
These benefits are declared on the Form 5500 main form. A ✓ means the benefit also has a Schedule A insurance contract. Without one, plan assets or a Schedule C TPA fund the benefit.
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 201 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 136 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 337 | Active, retired or separated, and beneficiaries. Dependents are not counted. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 141 | $398K |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 284 | $51K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 141 | $398K |
| Stop-loss / reinsurancereinsurance | NATIONWIDE LIFE INSURANCE COMPANY | 237 | $277K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 284 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 284 | - |
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 instead of this filer's headcount. We show the row, but it does not count the people in this plan.
Brokers paid through Schedule A and service providers paid through Schedule C.
| Broker | Commissions |
|---|---|
Carrier: Blue Cross Blue Shield of Michigan | |
Carrier: Nationwide Life Insurance Company |
Commissions, fees, broker address and the carrier each broker is paid through are on Pro.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 NONE KNOWN | Contract Administrator; Consulting (general); Claims processing; Insurance services; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees; Direct payment from the plan Service code 12 | — | $292K |
| BENESYS, INC EIN 38-3507129 NONE KNOWN | Other services; Accounting (including auditing); Claims processing; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Copying and duplicating; Contract Administrator; Participant communication Service code 10 | — | $89K |
| NOVARA LAW EIN 38-3507129 NONE KNOWN | Legal; Direct payment from the plan Service code 29 | — | $70K |
| MICHAEL G. BUCK NONE KNOWN | Non-monetary compensation; Insurance brokerage commissions and fees; Other commissions; Other fees; Insurance agents and brokers Service code 22 | 28233 MOUND ROAD BUILDING F STERLING HEIGHTS, MI 48310 | $35K |
| HEALTH PLAN ADVOCATE NONE KNOWN | Direct payment from the plan; Consulting fees; Other insurance fees and expenses Service code 50 | 5380 CASCADE ROAD #200 GRAND RAPIDS, MI 49546 | $20K |
| SEGAL CONSULTING NONE KNOWN | Direct payment from the plan; Actuarial Service code 11 | 1300 E. NINTH STREET #1900 CLEVELAND, OH 44114 | $13K |
| WESLEY HADDAD AND CO LLC EIN 39-2254216 NONE KNOWN | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $11K |
| COMERICA EIN 38-0477375 NONE KNOWN | Direct payment from the plan; Custodial (securities) Service code 19 | — | $9K |
| MARQUETTE ASSOCIATES NONE KNOWN | Investment advisory (plan); Other services; Direct payment from the plan Service code 27 | 180 N. LASSALLE STREET #3500 CHICAGO, IL 60601 | $8K |
| AMERICAN GRAPHICS PRINTING NONE KNOWN | Foreign entity (e.g., an agent or broker, bank, insurance company, etc. not operating within jurisdictional boundaries of the United States); Direct payment from the plan Service code 40 | 34895 GROESBECK HIGHWAY CLINTON TOWNSHIP, MI 48035 | $7K |
This section shows how the plan is funded and what that means for risk.
Welfare charges, retention and retention rate (the carrier margin on this plan) are on Pro.
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11 filings · 2015 to 2025