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 pricingThe primary carrier changed from the prior filing. The plan has shown it will move. Pitch it again on the next cycle.
The primary broker changed. The plan may listen to a new pitch.
The Schedule A insurance contracts show who carries the risk, for which benefits and for how many people.
| Carrier | Coverage | Premium |
|---|---|---|
Broker: Benefit Partner LLC Dba Salus Group Stop-loss | Stop-loss | |
HealthRx | HealthRx | |
Broker: Benefit Partners, LLC Dba Salus Grp 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 | 572 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 577 | Active, retired or separated, and beneficiaries. Dependents are not counted. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 37 | $465K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 254 | $13K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 37 | $465K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 556 | $611K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 254 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 556 | - |
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: Sun Life Assurance Company of Canada | |
Carrier: Unum Life Insurance Company of America |
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 | Contract Administrator; Direct payment from the plan; Consulting (general); Insurance services; Float revenue; Other fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 12 | — | $540K |
| TIC MIDWEST EIN 13-2600875 NONE | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Participant communication; Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $131K |
| MICHAEL G. BUCK NONE | Other commissions; Insurance agents and brokers; Other fees; Insurance brokerage commissions and fees; Non-monetary compensation Service code 22 | 38223 MOUND ROAD BLDG F STERING HEIGHTS, MI 48310 | $45K |
| WATKINS, PAWLICK, CALATI & PRIFTI EIN 83-2893229 NONE | Legal; Direct payment from the plan Service code 29 | — | $23K |
| BENDA, GRACE, STULZ & COMPANY PC EIN 38-2284921 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $21K |
| STEFANSKY, HOLLOWAY, NICHOLS, INC. EIN 38-2388845 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $16K |
| DETROIT CEMENT MASONS COLLECTIONS EIN 38-0407375 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $12K |
| TRADE SOLUTIONS NONE | Direct payment from the plan; Copying and duplicating Service code 36 | PO BOX 1318 CLARKSTON, MI 48347 | $11K |
| PART D ADVISORS NONE | Other services; Direct payment from the plan Service code 49 | 17199 N LAUREL PARK DR LIVONIA, MI 48152 | $8K |
| MARQUETTE & ASSOCIATES EIN 36-3485298 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $5K |
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