Form 5500 · Employee benefit plan · LANSING, MI
CAPITAL AREA COMMUNITY SERVICES
The filing calls this plan CAPITAL AREA COMMUNITY SERVICES GROUP HEALTH AND WELFARE BENEFITS PLAN.
CAPITAL AREA COMMUNITY SERVICES of LANSING, MI is a 245-participant health care and social assistance employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is REBEKAH LYNN VANBEEK. Coverage is written through BLUE CROSS BLUE SHIELD OF MICHIGAN and 3 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 38-1791181 · plan 502 · plan year 2025, filed Sep 4, 2026
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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 4 insured contracts covering health, dental, vision, life and disability; the largest, with BLUE CROSS BLUE SHIELD OF MICHIGAN, covers 334 people.
Reported premium across the insured contracts is $3,002,574, with $144,712 in disclosed broker commissions — about 4.8% 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.
REBEKAH LYNN VANBEEK is the broker of record on 1 of the 4 contracts; the rest name a different broker or none.
4 carriers appear on the filing, including BLUE CROSS BLUE SHIELD OF MICHIGAN, DELTA DENTAL OF MICHIGAN, UNITED OF OMAHA LIFE INSURANCE COMPANY and EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO.. BLUE CROSS BLUE SHIELD OF MICHIGAN writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN | Health | 334 | Jan 1, 2026 | $2,713,218 | $120,328 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Life, Disability | 220 | Jan 1, 2026 | $123,585 | $18,537 |
| DELTA DENTAL OF MICHIGAN | Dental | 428 | Jan 1, 2026 | $148,389 | $4,089 |
| EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | Vision | 417 | Jan 1, 2026 | $17,382 | $1,758 |
Premium and claims on these contracts
BLUE CROSS BLUE SHIELD OF MICHIGAN, contract 102479. For the contract year on this filing, the carrier reported $2,713,218 in premium earned and $2,346,227 in claims incurred. Dividing one by the other gives 86%.
DELTA DENTAL OF MICHIGAN, contract 3194. For the contract year on this filing, the carrier reported $148,389 in premium earned and $139,440 in claims incurred. Dividing one by the other gives 94%.
- BLUE CROSS BLUE SHIELD OF MICHIGAN, contract 102479 reported $907,415 in retention.
- DELTA DENTAL OF MICHIGAN, contract 3194 reported $21,383 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.
Other plans filed by this employer
How this plan compares
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