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 2 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 1 broker row. $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); Direct payment from the plan; Claims processing; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other fees; Insurance services Service code 12 | 27000 W 11 MILE ROAD SOUTHFIELD, MI 48034 | $653K |
| TIC INTERNATIONAL CORPORATION EIN 13-2600875 NONE | Contract Administrator; Participant communication; Direct payment from the plan; Claims processing; Recordkeeping fees; Accounting (including auditing); Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 10 | 30700 TELEGRAPH ROAD, SUITE 2400 BINGHAM FARMS, MI 48025 | $232K |
| BENEFITS PARTNER LLC EIN 20-2024076 NONE | Insurance brokerage commissions and fees; Consulting (general); Insurance agents and brokers Service code 16 | 38221 MOUND ROAD, BUILDING G STERLING HEIGHTS, MI 48310 | $58K |
| DELTA DENTAL OF MICHIGAN EIN 38-1791480 NONE | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | PO BOX 790014 DETROIT, MI 48279 | $52K |
| FERGUSON WIDMAYER & CLARK PC EIN 38-2995783 NONE | Legal; Direct payment from the plan Service code 29 | 538 N DIVISION ANN ARBOR, MI 48104 | $43K |
| O'SULLIVAN ASSOCIATES, INC. EIN 20-8199367 NONE | Actuarial; Direct payment from the plan Service code 11 | 1236 BRACE ROAD, UNIT E CHERRY HILL, NJ 08034 | $28K |
| BENNETT & ASSOCIATES CPAS PLLC EIN 27-3488128 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 100 HURONVIEW BLVD, SUITE 200 ANN ARBOR, MI 48103 | $26K |
| COMERICA BANK EIN 42-1741646 NONE | Other services; Custodial (securities); Float revenue; Other investment fees and expenses; Shareholder servicing fees; Direct payment from the plan Service code 19 | 411 W LAFAYETTE AVENUE DETROIT, MI 48226 | $20K |
| WEX HEALTH, INC. EIN 06-1593514 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 12 | 82 HOPMEADOW STREET, SUITE 220 SIMSBURY, CT 06089 | $15K |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 278 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 82 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 360 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 484 | $1.7M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 360 | $128K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 484 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 484 | — |
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."
Total premium grew more than 20% over the prior year. Good candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. This is either a small-plan minimum fee or an inefficient broker structure open to a counter-bid.
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.