Open any plan below to see its carriers, broker commissions and premiums.
Solo shows those sections on each welfare plan. Your first month is $4.99.
Sponsor portfolioWelfare / HealthEIN 38-0442310
CONSUMERS ENERGY COMPANY
ONE ENERGY PLAZA · JACKSON, MI 492012277
5172479634
- Plans filed
- 13
- Years active
- 2015–2024
- Industry
- NAICS 22
- Latest filing
- 2024
Total premiums (latest)
$2.4M
No prior year
Persons covered
15,804
No prior year
Total participants
23,747
No prior year
Plans filed
13
No prior year
Plans under this sponsor
13 plans
Plan #504$2.6M
GROUP TERM LIFE INSURANCE PLAN FOR OM&C EMPLOYEES
Fully insured16,036 covered·1 carrier
Primary: HARTFORD LIFE AND ACCIDENT
Plan #511$2.6M
GROUP TERM LIFE INSURANCE PLAN FOR SALARIED EMPLOYEES
Fully insured3,937 covered·1 carrier
Primary: HARTFORD LIFE AND ACCIDENT
Plan #518$2.4M
GROUP MEDICAL PLAN FOR ACTIVE EMPLOYEES
Mixed15,804 covered·4 carriers
Primary: LIFE INSURANCE COMPANY OF NORTH AMERICA
Plan #507$1.6M
GROUP LONG TERM DISABILITY PLAN
Fully insured8,370 covered·2 carriers
Primary: CIGNA
Plan #517$370K
GROUP 24-HOUR ACCIDENT INSURANCE PLAN
Fully insured3,321 covered·1 carrier
Primary: CIGNA GROUP INSURANCE
Plan #512$264K
DEPENDENTS GROUP TERM LIFE INSURANCE PLAN
Fully insured3,270 covered·1 carrier
Primary: HARTFORD LIFE AND ACCIDENT
Plan #502$0
RETIRED EMPLOYEES GROUP TERM LIFE INSURANCE PLAN
Self-funded0 covered·0 carriers
Plan #510$0
GROUP HEALTH CARE PLAN FOR RETIRED EMPLOYEES
Self-funded0 covered·0 carriers
Plan #516$0
SEPARATION ALLOWANCE PLAN
Self-funded0 covered·0 carriers
Plan #600$0
HEALTH REIMBURSEMENT ARRANGEMENT FOR RETIRED EMPLOYEES OF CONSUMERS ENERGY AND OTHER CMS ENERGY COMPANIES
Self-funded0 covered·0 carriers
Plan #508$0
TRAVEL ACCIDENT INSURANCE PLAN
Fully insured9,122 covered·1 carrier
Primary: LIFE INSURANCE COMPANY OF NORTH AMERICA
Plan #514$0
FLEXFUND PLAN
Unknown0 covered·0 carriers
Plan #519$0
GROUP DENTAL PLAN FOR ACTIVE EMPLOYEES
Self-funded0 covered·0 carriers
Coverage overview
Aggregate, latest year
| Benefit type | Premium | Share | Distribution |
|---|---|---|---|
| Other | $1.0M | 44.3% | |
| Long-term disability | $786K | 33.3% | |
| Life | $529K | 22.4% |
Carrier overview
4 carriers · all plans
| Carrier | Coverage | Total premium | Share | Plans | Contracts | Covered |
|---|---|---|---|---|---|---|
EIN 231503749 | LTDOth | $1.8M | 75.8% | 1 | 3 | 8,324 |
EIN 060838648 | L | $529K | 22.4% | 1 | 1 | 15,804 |
EIN 231503749 | Oth | $31K | 1.3% | 1 | 1 | 2,998 |
EIN 812832914 | Oth | $12K | 0.5% | 1 | 1 | 2,117 |
Broker overview
2 brokers · all plans
| Broker | Loc | Carriers | Commissions | Fees | Total comp | Share | Plans |
|---|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC | NEW YORK, NY | HARTFORD LIFE AND ACCIDENT | $0 | $21K | $21K | 100.0% | 1 |
| MERCER HEALTH AND BENEFITS, LLC | CHICAGO, IL | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $1 | $1 | 0.0% | 1 |
History & trajectory
10 years · all plans
Total premiums
Summed across all plans for this sponsor.
Persons covered
EOY headcount summed across all plans.
Carrier mix
Premium by top carriers, summed across plans.
Broker compensation
Comp by top brokers, summed across plans.
Policy details
Latest year, by plan