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 TPA | Claims processing Service code 12 | — | $90K |
| JFP BENEFITS MANAGEMENT, INC. EIN 38-2719340 THIRD PARTY ADMINISTRATOR | Claims processing Service code 12 | — | $59K |
| MCGINTY, HITCH, & ASSOCIATES EIN 38-2060103 ATTORNEY | Legal Service code 29 | — | $15K |
| SEBER TANS, PLC EIN 20-0503877 CERTIFIED PUBLIC ACCOUNT | Accounting (including auditing) Service code 10 | 555 W. CROSSTOWN PARKWAY KALAMAZOO, MI 49008 | $10K |
| FISHER SPIEGEL KUNKLE & GERBER PLLC EIN 38-2771156 AUDITOR | Accounting (including auditing) Service code 10 | 4625 BECKLEY ROAD BLDG 40 BATTLE CREEK, MI 49015 | $10K |
| EVERGREEN BOOKKEEPING SOLUTIONS LLC EIN 38-3307821 BOOKKEEPING | Accounting (including auditing) Service code 10 | P.O. BOX 475 OSHTEMO, MI 49077 | $880 |
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 | 131 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 119 | $1.2M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 108 | $16K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 11 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 119 | — |
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 top carrier holds over 85% of premium. A rate increase from that carrier moves the whole 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.