Form 5500 · Employee benefit plan · TROY, MI
BOARD OF TRUSTEES, IRON WORKERS LOCAL NO. 25
The filing calls this plan IRON WORKERS' HEALTH FUND OF EASTERN MICHIGAN.
BOARD OF TRUSTEES, IRON WORKERS LOCAL NO. 25 of TROY, MI spreads its employee benefits across 7 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is MACQUEEN & ASSOCIATES LLC. Coverage is written through BLUE CROSS BLUE SHIELD 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 38-6216995 · plan 501 · plan year 2025, filed Feb 13, 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
Both, as reported
The medical insurance contracts on the filing cover fewer than half the people in the plan, so the rest is paid another way.
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
Health: the largest of the 3 insured health contracts, with BLUE CROSS BLUE SHIELD OF MICHIGAN, covers 223 of 2,354 participants (9.5%) on Schedule A.
Dental: DENCAP DENTAL PLANS, INC. covers 166 of 2,354 participants (7.1%) on Schedule A.
Vision: HERITAGE VISION PLANS INC covers 145 of 2,354 participants (6.2%) on Schedule A.
Disability: KANSAS CITY LIFE INSURANCE COMPANY covers 70 of 2,354 participants (3%) on Schedule A.
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 8 insured contracts covering health, dental, vision, life, disability and stop-loss.
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 $2,916,706, with $63,052 in disclosed broker commissions — about 2.2% of premium.
The health contract's policy period ended in December, while at least one ancillary line's policy period ended in April. The plan is on a split renewal cycle.
MACQUEEN & ASSOCIATES LLC is the broker of record on 2 of the 8 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Life | 1,955 | May 1, 2025 | $427,944 | $35,028 |
| BLUE CARE NETWORK OF MICHIGAN | Health | 128 | Jan 1, 2025 | $676,054 | $27,072 |
| KANSAS CITY LIFE INSURANCE COMPANY | Life, Disability | 70 | May 1, 2025 | $7,941 | $952 |
| BLUE CROSS BLUE SHIELD OF MICHIGAN | Health | 223 | Jan 1, 2025 | $1,108,123 | $0 |
| QBE INSURANCE | Stop-loss | 2,082 | May 1, 2025 | $625,170 | $0 |
| DENCAP DENTAL PLANS, INC. | Dental | 166 | May 1, 2025 | $35,220 | $0 |
| HERITAGE VISION PLANS INC | Vision | 145 | May 1, 2025 | $20,055 | $0 |
| BLUE CARE NETWORK OF MICHIGAN | Health | 5 | Jan 1, 2025 | $16,199 | $0 |
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.
Money the plan held and paid out
Sourced from U.S. DOL EFAST2 Form 5500 · Schedule H
These are the plan's own figures from Schedule H, the financial statement it files. They are not the premium on Schedule A.
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