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 | Other fees; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Insurance services; Direct payment from the plan; Float revenue; Claims processing Service code 12 | — | $393K |
| TIC INTERNATIONAL EIN 13-2600875 NONE | Direct payment from the plan; Accounting (including auditing); Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Participant communication Service code 10 | — | $109K |
| MICHAEL G. BUCK NONE | Other fees; Insurance agents and brokers; Insurance brokerage commissions and fees; Non-monetary compensation; Other commissions Service code 22 | 38221 MOUND ROAD STERLING HEIGHTS, MI 48310 | $45K |
| SACHS WALDMAN, PROFESSIONAL CORP EIN 38-1905521 ATTORNEY FOR LOCAL 514 | Legal; Direct payment from the plan Service code 29 | — | $42K |
| STEFANSKY, HOLLOWAY, NICHOLS, INC. EIN 38-2388845 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $23K |
| DETROIT CEMENT MASONS COLLECTIONS EIN 38-0407375 NONE | Legal; Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $16K |
| BENDA, GRACE, STULZ & COMPANY PC EIN 38-2284921 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $15K |
| MARQUETTE & ASSOCIATES EIN 36-3485298 NONE | Investment management; Direct payment from the plan Service code 28 | — | $5K |
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 | 518 | 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) | 523 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 5 | $31K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 502 | $10K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 5 | $31K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 518 | $281K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 502 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 518 | — |
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 primary broker changed. The plan may take a second-look pitch.
The top carrier holds over 85% of premium. A rate increase from that carrier moves the whole plan.