Form 5500 · Employee benefit plan · LIVONIA, MI
ALTA ENTERPRISES, LLC
The filing calls this plan ALTA ENTERPRISES, LLC HEALTH BENEFIT PLAN.
Public Form 5500 records show how ALTA ENTERPRISES, LLC of LIVONIA, MI, a retail employer, structures its employee benefits. Its broker of record is HUB INTERNATIONAL MIDWEST LIMITED. Coverage is written through EHIM - EMPLOYEE HEALTH INSURANCE MANAGEMENT (TPA) and 5 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 82-3166837 · plan 501 · plan year 2025, filed Jun 15, 2026
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1,931 other employer plans in Michigan have policy years ending in December. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
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: death benefits.
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.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
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 EHIM - EMPLOYEE HEALTH INSURANCE MANAGEMENT (TPA), covers 1,519 people.
Reported premium across the insured contracts is $14,132,402, with $137,628 in disclosed broker commissions — about 1% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
HUB INTERNATIONAL MIDWEST LIMITED 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 EHIM - EMPLOYEE HEALTH INSURANCE MANAGEMENT (TPA), BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC., UNITED OF OMAHA LIFE INSURANCE COMPANY and ASR HEALTH BENEFITS. EHIM - EMPLOYEE HEALTH INSURANCE MANAGEMENT (TPA) writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Health, Life, Disability | 1,841 | Jan 1, 2026 | $2,226,168 | $79,523 |
| BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | Health, Dental | 470 | Jan 1, 2026 | $4,857,772 | $53,525 |
| USABLE LIFE | Life, Disability | 190 | Jan 1, 2026 | $91,597 | $4,580 |
| EHIM - EMPLOYEE HEALTH INSURANCE MANAGEMENT (TPA) | Health | 1,519 | Jan 1, 2026 | $5,157,706 | $0 |
| ASR HEALTH BENEFITS | Health | 1,506 | Jan 1, 2026 | $1,630,158 | $0 |
| EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | Vision | 3,316 | Jan 1, 2026 | $169,001 | $0 |
Premium and claims on this contract
BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC., contract 4957718. For the contract year on this filing, the carrier reported $4,857,772 in premium earned and $4,678,247 in claims incurred. Dividing one by the other gives 96%.
- BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC., contract 4957718 reported $179,525 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.
Reported to OSHA
Reported to OSHA for 2025: 2,268 employees, 66 recordable cases, 1,389 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
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Renewal calendar
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