Open any plan below to see its carriers, broker commissions and premiums.
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Sponsor portfolioWelfare / HealthEIN 35-1372324
UNIVERSAL FIRE & CASUALTY INSURANCE COMPANY
2850 DIXIE HWY, STE 100 · WATERFORD, MI 483281713
6312490500
- Plans filed
- 2
- Years active
- 2025–2025
- Industry
- NAICS 56
- Latest filing
- 2025
Total premiums (latest)
$1.5M
No prior year
Persons covered
528
No prior year
Total participants
238
No prior year
Plans filed
2
No prior year
Plans under this sponsor
2 plans
Plan #501$1.3M
UNIVERSAL FIRE & CASUALTY INSURANCE COMPANY MEDICAL PLAN
Fully insured209 covered·1 carrier
Primary: COMMUNITY INSURANCE COMPANY (G1728)
Plan #502$157K
UNIVERSAL FIRE & CASUALTY INSURANCE COMPANY ANCILLARY BENEFITS PLAN
Fully insured319 covered·1 carrier
Primary: METROPOLITAN LIFE INSURANCE COMPANY
Coverage overview
Aggregate, latest year
| Benefit type | Premium | Share | Distribution |
|---|---|---|---|
| Health | $1.3M | 57.9% | |
| Dental | $157K | 7.0% | |
| Vision | $157K | 7.0% | |
| Life | $157K | 7.0% | |
| Short-term disability | $157K | 7.0% | |
| Long-term disability | $157K | 7.0% | |
| Other | $157K | 7.0% |
Carrier overview
2 carriers · all plans
| Carrier | Coverage | Total premium | Share | Plans | Contracts | Covered |
|---|---|---|---|---|---|---|
EIN 311440175 | H | $1.3M | 89.2% | 1 | 1 | 209 |
EIN 135581829 | DVLSTDLTDOth | $157K | 10.8% | 1 | 1 | 319 |
Broker overview
4 brokers · all plans
| Broker | Loc | Carriers | Commissions | Fees | Total comp | Share | Plans |
|---|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED | CINCINNATI, OH | COMMUNITY INSURANCE COMPANY (G1728), METROPOLITAN LIFE INSURANCE COMPANY | $41K | $3K | $44K | 65.7% | 2 |
| THE JAMES B OSWALD COMPANY | CLEVELAND, OH | COMMUNITY INSURANCE COMPANY (G1728) | $0 | $14K | $14K | 20.0% | 1 |
| GIS BENEFITS INC | MORRIS, IL | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $5K | $5K | 7.7% | 1 |
| ERC SERVICES INC | BEACHWOOD, OH | COMMUNITY INSURANCE COMPANY (G1728) | $4K | $0 | $4K | 6.5% | 1 |
Policy details
Latest year, by plan