Form 5500 · Employee benefit plan · ADA, MI
ALTICOR INC.
The filing calls this plan AMWAY EMPLOYEE HEALTH AND WELFARE PLAN.
ALTICOR INC. of ADA, MI spreads its employee benefits across 7 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is MERCER HEALTH & BENEFITS LLC. Coverage is written through DELTA DENTAL OF MICHIGAN and 6 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 38-1736584 · plan 503 · plan year 2024, filed Oct 10, 2025
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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
Funding not settled by the filing
The filing does not report enough to settle how this plan pays for benefits.
Benefits declared on this filing
3 contracts on this filing do not say which benefits they cover, so a line above may be insured by one of them.
Also declared: 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.
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 9 insured contracts covering health, dental, life and disability; the largest, with DELTA DENTAL OF MICHIGAN, covers 6,245 people.
The filing declares health, life, disability and vision. Vision appears 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 one of the 3 contracts here that do not say what they cover.
Reported premium across the insured contracts is $5,354,378, with $90,017 in disclosed broker commissions — about 1.7% 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.
MERCER HEALTH & BENEFITS LLC is the broker of record on 4 of the 9 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life | 3,151 | Jan 1, 2025 | $1,206,159 | $26,858 |
| RELIASTAR LIFE INSURANCE COMPANY | — | 2,900 | Jan 1, 2025 | $264,506 | $26,451 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Disability | 2,901 | Jan 1, 2025 | $558,819 | $12,427 |
| PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | Disability | 86 | Jan 1, 2025 | $75,146 | $10,265 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health | 3,151 | Jan 1, 2025 | $37,959 | $7,592 |
| DELTA DENTAL OF MICHIGAN | Dental | 6,245 | Jan 1, 2025 | $3,044,803 | $3,734 |
| PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | Disability | 12 | Jan 1, 2025 | $4,539 | $1,407 |
| HARTFORD FIRE INSURANCE COMPANY | — | 3,176 | Jan 1, 2025 | $85,526 | $1,283 |
| ENCOMPASS EAP, LLC | — | 4,209 | Jan 1, 2025 | $76,921 | $0 |
Premium and claims on this contract
DELTA DENTAL OF MICHIGAN, contract 1072. For the contract year on this filing, the carrier reported $2,898,028 in premium earned and $2,631,076 in claims incurred. Dividing one by the other gives 91%.
- DELTA DENTAL OF MICHIGAN, contract 1072 reported $159,971 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: 72 employees, 0 recordable cases, 0 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
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