Form 5500 · Employee benefit plan · TROY, MI
BOARD OF TRUSTEES SHEET METAL WORKERS LOCAL NO. 292 HEALTH FUND
The filing calls this plan SHEET METAL WORKERS LOCAL NO. 292 HEALTH FUND.
BOARD OF TRUSTEES SHEET METAL WORKERS LOCAL NO. 292 HEALTH FUND of TROY, MI spreads its employee benefits across 3 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is KIMBERLY ANN WIXSON. Coverage is written through BLUE CROSS BLUE SHIELD OF MICHIGAN and 2 other carriers. The plan's most recent policy period ended in March.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 38-1433000 · plan 501 · plan year 2025, filed Jan 14, 2026
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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
Fully insured as reported
The plan's own financial statement reports paying insurance carriers about what the insurance contracts report in premium.
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 3 insured contracts covering health and life; the largest, with BLUE CROSS BLUE SHIELD OF MICHIGAN, covers 1,112 people.
The filing declares health, life and disability. Disability appears with no insured contract on Schedule A. That coverage may be self-funded, or placed with a carrier that is not on this filing.
Reported premium across the insured contracts is $8,293,689, with $172,725 in disclosed broker commissions — about 2.1% of premium.
The health contract's policy period ended in March, while at least one ancillary line's policy period ended in February. The plan is on a split renewal cycle.
KIMBERLY ANN WIXSON is the broker of record on 1 of the 3 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN | Health | 1,112 | Apr 1, 2025 | $7,199,252 | $128,586 |
| HUMANA INSURANCE COMPANY | Health | 282 | Apr 1, 2025 | $970,956 | $31,790 |
| THE UNION LABOR LIFE INSURANCE COMPANY | Life | 681 | Mar 1, 2025 | $123,481 | $12,349 |
Premium and claims on this contract
BLUE CROSS BLUE SHIELD OF MICHIGAN, contract 222638. For the contract year on this filing, the carrier reported $7,199,252 in premium earned and $7,544,616 in claims incurred. Dividing one by the other gives 105%.
- BLUE CROSS BLUE SHIELD OF MICHIGAN, contract 222638 reported $1,698,081 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.
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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Renewal calendar
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