Form 5500 · Employee benefit plan · SAGINAW, MI
AKT PEERLESS ENVIRONMENTAL SERVICES LLC
The filing calls this plan AKT PEERLESS ENVIRONMENTAL SERVICES LLC HEALTH & WELFARE BENEFIT PLAN.
AKT PEERLESS ENVIRONMENTAL SERVICES LLC of SAGINAW, MI insures health, dental, vision, life and disability coverage for its employees, per Schedule A of its Form 5500. Its broker of record is REBECCA A. MCLAUGHLAN. Coverage is written through BLUE CROSS BLUE SHIELD OF MICHIGAN and 5 other carriers. The plan's most recent policy period ended in November.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 38-3572743 · plan 501 · plan year 2025, filed Jul 20, 2026
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How this plan is funded
Fully insured as reported
The filing reports medical coverage through an insurance contract on Schedule A, and no money paid for benefits by the plan itself.
Benefits declared on this filing
Also declared: prepaid legal, death benefits, other welfare.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 6 insured contracts covering health, dental, vision, life and disability; the largest, with BLUE CROSS BLUE SHIELD OF MICHIGAN, covers 124 people.
Reported premium across the insured contracts is $1,124,792, with $50,201 in disclosed broker commissions — about 4.5% of premium.
The most recent policy period ended in November, and the plan year ends November 30. Group contracts typically renew on that annual cycle.
REBECCA A. MCLAUGHLAN is the broker of record on 1 of the 6 contracts; the rest name a different broker or none.
6 carriers appear on the filing, including BLUE CROSS BLUE SHIELD OF MICHIGAN, METROPOLITAN LIFE INSURANCE COMPANY, UNITED OF OMAHA LIFE INSURANCE COMPANY and COLONIAL LIFE & ACCIDENT INSURANCE COMPANY. BLUE CROSS BLUE SHIELD OF MICHIGAN writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN | Health, Vision | 124 | Dec 1, 2025 | $985,455 | $33,102 |
| METROPOLITAN LIFE INSURANCE COMPANY | Dental | 202 | Dec 1, 2025 | $76,382 | $8,848 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Life, Disability | 100 | Dec 1, 2025 | $54,560 | $7,123 |
| METLIFE LEGAL PLANS | — | 17 | Dec 1, 2025 | $4,115 | $831 |
| COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | 5 | Dec 1, 2025 | $4,280 | $297 |
| HEALTH ADVOCATE SOLUTIONS, INC. | — | 105 | Dec 1, 2025 | — | $0 |
Premium and claims on this contract
BLUE CROSS BLUE SHIELD OF MICHIGAN, contract 282499. For the contract year on this filing, the carrier reported $985,455 in premium earned and $989,451 in claims incurred. Dividing one by the other gives 100%.
- BLUE CROSS BLUE SHIELD OF MICHIGAN, contract 282499 reported $298,990 in retention.
Retention is what the carrier kept of the premium after claims, as reported: administration, commissions and other charges.
Only experience-rated contracts report these figures, so most filings leave them blank.
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. We publish company names only.
How this plan compares
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