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.
No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 NONE | Claims processing Service code 12 | P.O. BOX 2888 DETROIT, MI 48231 | $417K |
| HCC LIFE INSURANCE COMPANY NONE | Claims processing Service code 12 | 225 TOWNPARK DRIVE STE350 KENNESAW, GA 30144 | $247K |
| NOVARA, TESIJA & CATENACCI, PLLC EIN 38-3763096 NONE | Legal Service code 29 | 2000 TOWN CENTER STE 2370 SOUTHFIELD, MI 48075 | $121K |
| UNITED ACTUARIAL SERVICES, INC. EIN 35-2156428 NONE | Actuarial Service code 11 | 11590 NORTH MERIDIAN ST CARMEL, IN 46032 | $76K |
| TIC INTERNATIONAL CORPORATION EIN 13-2600875 NONE | Plan Administrator Service code 14 | 6525 CENTURION DRIVE LANSING, MI 48917 | $58K |
| UMR, INC. EIN 39-1995276 NONE | Claims processing Service code 12 | — | $32K |
| LORI HATFIELD EMPLOYEE | Employee (plan) Service code 30 | 11847 SHAVER RD. SCHOOLCRAFT, MI 49087 | $12K |
| MORGAN STANLEY GLOBAL BANKING NONE | Custodial (securities) Service code 19 | 1585 BROADWAY AVENUE NEW YORK, NY 10036 | $11K |
| BULTYNCK & CO., P.L.L.C. EIN 20-3920878 NONE | Accounting (including auditing) Service code 10 | 15985 CANAL ROAD CLINTON TOWNSHIP, MI 48038 | $9K |
| TRADE SOLUTIONS NONE | Copying and duplicating Service code 36 | 8605 SANTA MONICA BLVD LOS ANGELES, CA 90069 | $8K |
| VISION SERVICE PLAN NONE | Claims processing Service code 12 | 11340 WHITE ROCK RD RANCHO CORDOVA, CA 95742 | $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 | 481 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 167 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 648 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 648 | $10.7M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,701 | $10.8M |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 648 | $10.8M |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 648 | $10.7M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 648 | $10.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,701 | — |
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.
The filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported. Worth a call.