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 1 contract row 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 2 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 | Consulting (general); Contract Administrator; Insurance services; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Other fees; Claims processing Service code 12 | PO BOC 2888 DETROIT, MI 48231 | $412K |
| NOVARA TESIJA, PLLC EIN 38-3763096 NONE | Legal; Direct payment from the plan Service code 29 | 2000 TOWN CENTER STE 2370 SOUTHFIELD, MI 48075 | $77K |
| LORI HATFIELD EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | 11847 SHAVER RD. SCHOOLCRAFT, MI 49087 | $35K |
| MERCER HEALTH & BENEFITS LLC NONE | Consulting (general); Direct payment from the plan Service code 16 | PO BOX 730182 DALLAS, TX 753730182 | $29K |
| COMERICA BANK NONE | Investment management; Investment management fees paid directly by plan; Investment advisory (plan); Direct payment from the plan; Securities brokerage; Custodial (securities) Service code 19 | 411 WEST LAFAYETTE DETROIT, MI 48226 | $23K |
| YEO & YEO PC NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 710 E MILHAM KALAMAZOO, MI 49002 | $11K |
| UNITED ACTUARIAL SERVICES, INC EIN 35-2156428 NONE | Actuarial; Direct payment from the plan Service code 11 | 11590 NORTH MERIDIAN ST CARMEL, IN 46032 | $7K |
| UNION SERVICES AGENCY NONE | Direct payment from the plan; Insurance agents and brokers; Insurance services Service code 22 | 119 PERE MARQUETTE LANSING, MI 48912 | $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 | 451 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 172 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 623 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 623 | $7.7M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 623 | $7.7M |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 623 | $7.7M |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 623 | $7.7M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 623 | $7.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 623 | — |
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."
Broker comp is under 1% of premium on a plan over $1M. The plan may have no broker or pay a flat fee. Consultant sales target.
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.
Schedule A changed between filings. The plan moved between insured and self-funded, or contracts were added or removed. The transition window is open.