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Sponsor portfolioWelfare / HealthEIN 38-1164400
RAM CONSTRUCTION SERVICES, INC
13800 ECKLES ROAD · LIVONIA, MI 48150
7344643800
- Plans filed
- 1
- Years active
- 2016–2024
- Industry
- NAICS 23
- Latest filing
- 2024
Total premiums (latest)
$2.9M
No prior year
Persons covered
418
No prior year
Total participants
149
No prior year
Plans filed
1
No prior year
Plans under this sponsor
1 plan
Coverage overview
Aggregate, latest year
| Benefit type | Premium | Share | Distribution |
|---|---|---|---|
| Health | $2.5M | 40.9% | |
| Prescription drug | $2.5M | 40.9% | |
| Vision | $191K | 3.1% | |
| Life | $191K | 3.1% | |
| Short-term disability | $191K | 3.1% | |
| Long-term disability | $191K | 3.1% | |
| Other | $191K | 3.1% | |
| Dental | $165K | 2.7% |
Carrier overview
3 carriers · all plans
| Carrier | Coverage | Total premium | Share | Plans | Contracts | Covered |
|---|---|---|---|---|---|---|
EIN 382069753 | HRx | $2.5M | 87.6% | 1 | 1 | 418 |
EIN 135123390 | VLSTDLTDOth | $191K | 6.6% | 1 | 1 | 160 |
EIN 135581829 | D | $165K | 5.7% | 1 | 1 | 389 |
Broker overview
3 brokers · all plans
| Broker | Loc | Carriers | Commissions | Fees | Total comp | Share | Plans |
|---|---|---|---|---|---|---|---|
| MARY JO LEFEVRE | TROY, MI | BLUE CROSS BLUE SHIELD OF MICHIGAN | $76K | $0 | $76K | 56.2% | 1 |
| HYLANT GROUP INC | TOLEDO, OH | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA, METROPOLITAN LIFE INSURANCE COMPANY, BLUE CROSS BLUE SHIELD OF MICHIGAN | $34K | $16K | $49K | 36.7% | 1 |
| CENTRO BENEFITS RESEARCH LLC | KIRKWOOD, MO | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 7.1% | 1 |
History & trajectory
9 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