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 3 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 | Sub-transfer agency fees; Consulting (general); Contract Administrator; Insurance services; Other fees; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 12 | — | $261K |
| ZENITH AMERICAN NONE | Plan Administrator; Accounting (including auditing); Consulting (general); Direct payment from the plan; Participant communication; Copying and duplicating; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 10 | 110 CRESCENT CNTR PRKWY TUCKER, GA 30084 | $146K |
| NOVARA TESIJA,PLLC EIN 38-2823147 NONE | Legal; Direct payment from the plan Service code 29 | — | $105K |
| BENDA, GRACE, STULZ & CO., P.C. EIN 38-2284921 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $19K |
| MICHAEL G BUCK NONE | Insurance brokerage commissions and fees; Other fees; Other commissions; Insurance agents and brokers; Non-monetary compensation Service code 22 | 38233 MOUND RD, BLDG F STERLING HEIGHTS, MI 48310 | $0 |
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 | 219 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 38 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 257 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN MEDICARE ADVANTAGE | 54 | $195K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN MEDICARE ADVANTAGE | 54 | $195K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 228 | $472K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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 primary broker changed. The plan may take a second-look pitch.
Broker compensation exceeds 5% of premium. This is either a small-plan minimum fee or an inefficient broker structure open to a counter-bid.
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.