Form 5500 · Employee benefit plan · PETOSKEY, MI
BOYNE USA INC
The filing calls this plan BOYNE USA INC WELFARE BENEFIT PLAN.
BOYNE USA INC of PETOSKEY, MI spreads its employee benefits across 5 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is ARCADIA BENEFITS INC.. Coverage is written through CIGNA HEALTH AND LIFE INSURANCE COMPANY and 4 other carriers. The plan's most recent policy period ended in April.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 38-1301850 · plan 501 · plan year 2024, filed Nov 6, 2024
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78 other employer plans in Michigan have policy years ending in April. 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.
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 and disability; the largest, with CIGNA HEALTH AND LIFE INSURANCE COMPANY, covers 917 people.
Reported premium across the insured contracts is $10,066,073, with $55,102 in disclosed broker commissions — about 0.5% of premium.
The most recent policy period ended in April, and the plan year ends April 30. Group contracts typically renew on that annual cycle.
ARCADIA BENEFITS INC. is the broker of record on 7 of the 8 contracts; the rest name a different broker or none.
5 carriers appear on the filing, including CIGNA HEALTH AND LIFE INSURANCE COMPANY, DELTA DENTAL PLAN OF MAINE, UNUM LIFE INSURANCE COMPANY OF AMERICA and LIFE INSURANCE COMPANY OF NORTH AMERICA. CIGNA HEALTH AND LIFE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| UNUM LIFE INSURANCE COMPANY OF AMERICA | — | 240 | May 1, 2024 | $113,309 | $18,326 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | — | 470 | May 1, 2024 | $76,825 | $10,567 |
| DELTA DENTAL PLAN OF MAINE | Dental | 833 | May 1, 2024 | $464,304 | $6,809 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | — | 592 | May 1, 2024 | $43,977 | $6,054 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life, Disability | 1,561 | May 1, 2024 | $94,587 | $5,941 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | — | 461 | May 1, 2024 | $39,706 | $5,515 |
| VISION SERVICE PLAN | Vision | 727 | May 1, 2024 | $75,777 | $1,846 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health | 917 | May 1, 2024 | $9,157,588 | $44 |
Premium and claims on this contract
VISION SERVICE PLAN, contract 30047996. For the contract year on this filing, the carrier reported $75,777 in premium earned and $52,227 in claims incurred. Dividing one by the other gives 69%.
- VISION SERVICE PLAN, contract 30047996 reported $14,777 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: 229 employees, 20 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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