Form 5500 · Employee benefit plan · JACKSON, MI
ALRO STEEL CORPORATION
The filing calls this plan ALRO STEEL CORPORATION BENEFITS PLAN.
ALRO STEEL CORPORATION of JACKSON, MI insures dental, life, disability and stop-loss coverage for its employees, per Schedule A of its Form 5500. Its broker of record is KAPNICK & COMPANY, INC.. Coverage is written through BLUE CROSS BLUE SHIELD OF MICHIGAN and 2 other carriers. The plan's most recent policy period ended in May.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 38-1300597 · plan 504 · plan year 2025, filed Nov 21, 2025
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110 other employer plans in Michigan have policy years ending in May. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Self-funded as reported
The filing reports a stop-loss contract and no medical premium, which is what a plan that pays its own claims reports.
A stop-loss policy appears on a Form 5500 only when the plan itself is the beneficiary, or the premiums are paid from plan money. Many employers buy stop-loss and never report it here. So a plan with no stop-loss on its filing may still have it.
Benefits declared on this filing
Disability: LIFE INSURANCE COMPANY OF NORTH AMERICA covers 190 of 3,268 participants (5.8%) on Schedule A.
One contract on this filing does not say which benefits it covers, so a line above may be insured by it.
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 5 insured contracts covering dental, life, disability and stop-loss; the largest, with BLUE CROSS BLUE SHIELD OF MICHIGAN, covers 3,238 people.
The filing declares dental, life, disability, health and vision. Health and vision appear with no insured contract on Schedule A. That coverage may be self-funded, placed with a carrier that is not on this filing, or written on the contract here that does not say what it covers.
The only insured piece of the health benefit is stop-loss coverage, and the filing reports the plan paying its own claims. The stop-loss contract reports $2,287,030 in premium and $80,046 in commission. The rest of the premium and commission above is on the plan's other insured lines, and none of it is medical premium.
Reported premium across the insured contracts is $4,915,265, with $175,133 in disclosed broker commissions — about 3.6% of premium.
The most recent policy period ended in May, and the plan year ends May 31. Group contracts typically renew on that annual cycle.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Life | 3,238 | Jun 1, 2025 | $729,032 | $85,109 |
| BLUE CROSS BLUE SHIELD OF MICHIGAN | Stop-loss | 3,238 | Jun 1, 2025 | $2,287,030 | $80,046 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | — | 3,238 | Jun 1, 2025 | $90,411 | $5,981 |
| DELTA DENTAL OF MICHIGAN | Dental | 3,238 | Jun 1, 2025 | $1,804,254 | $3,997 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Disability | 190 | Jun 1, 2025 | $4,538 | $0 |
Premium and claims on this contract
DELTA DENTAL OF MICHIGAN, contract 0011557. For the contract year on this filing, the carrier reported $1,804,254 in premium earned and $1,683,644 in claims incurred. Dividing one by the other gives 93%.
- DELTA DENTAL OF MICHIGAN, contract 0011557 reported $120,489 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. The service providers are named on Schedule C of this filing. We publish company names only.
Reported to OSHA
Reported to OSHA for 2025: 2,828 employees, 118 recordable cases, 859 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
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