Form 5500 · Employee benefit plan · NOVI, MI
BERKSHIRE PRODUCTION SUPPLY, LLC
The filing calls this plan BERKSHIRE PRODUCTION SUPPLY, LLC WRAP PLAN.
BERKSHIRE PRODUCTION SUPPLY, LLC of NOVI, MI spreads its employee benefits across 4 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is INSURANCE CONSULTING ASSOCIATES LLC. Coverage is written through UNUM LIFE INSURANCE COMPANY OF AMERICA and 3 other carriers. The plan's most recent policy period ended in March.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 20-2178725 · plan 510 · plan year 2025, filed Oct 15, 2025
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82 other employer plans in Michigan have policy years ending in March. 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
Also declared: 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 6 insured contracts covering health, dental, vision, life, disability and stop-loss; the largest, with UNUM LIFE INSURANCE COMPANY OF AMERICA, covers 932 people.
The medical plan carries stop-loss coverage: the filing reports the plan paying its own health claims, with insured protection against large ones.
Reported premium across the insured contracts is $2,238,166, with $228,659 in disclosed broker commissions — about 10% of premium.
The most recent policy period ended in March, and the plan year ends March 31. Group contracts typically renew on that annual cycle.
INSURANCE CONSULTING ASSOCIATES LLC is the broker of record on 4 of the 6 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, Disability | 932 | Apr 1, 2025 | $609,569 | $62,535 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | — | 1,009 | Apr 1, 2025 | $282,663 | $55,591 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life, Disability | 495 | Apr 1, 2025 | $288,765 | $43,315 |
| DELTA DENTAL OF MICHIGAN | Dental | 1,710 | Apr 1, 2025 | $518,153 | $39,825 |
| BLUE CROSS BLUE SHIELD OF MICHIGAN | Health, Stop-loss | 1,478 | Apr 1, 2025 | $446,925 | $16,342 |
| STARMOUNT LIFE INSURANCE COMPANY | Vision | 695 | Apr 1, 2025 | $92,091 | $11,051 |
Premium and claims on this contract
DELTA DENTAL OF MICHIGAN, contract 7258. For the contract year on this filing, the carrier reported $518,153 in premium earned and $425,607 in claims incurred. Dividing one by the other gives 82%.
- DELTA DENTAL OF MICHIGAN, contract 7258 reported $86,221 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.
Other plans filed by this employer
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