Form 5500 · Employee benefit plan · ROYAL OAK, MI
CO-STAFF SERVICES, LLC
The filing calls this plan CO-STAFF SERVICES HEALTH AND WELFARE PLAN.
CO-STAFF SERVICES, LLC of ROYAL OAK, MI files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is MICHAEL R BULGARELLI. Coverage is written through BLUE CROSS BLUE SHIELD OF MICHIGAN and 4 other carriers. The plan's most recent policy period ended in June.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 38-3546978 · plan 550 · plan year 2025, filed Mar 11, 2026
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112 other employer plans in Michigan have policy years ending in June. 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.
The filing says this plan is subject to the Form M-1 requirement for multiple-employer welfare arrangements.
Benefits declared on this filing
Also declared: prepaid legal, 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 10 insured contracts covering health, dental, vision, life and disability; the largest, with BLUE CROSS BLUE SHIELD OF MICHIGAN, covers 942 people.
Reported premium across the insured contracts is $12,928,617, with $629,429 in disclosed broker commissions — about 4.9% of premium.
The most recent policy period ended in June, and the plan year ends June 30. Group contracts typically renew on that annual cycle.
MICHAEL R BULGARELLI is the broker of record on 2 of the 10 contracts; the rest name a different broker or none.
5 carriers appear on the filing, including BLUE CROSS BLUE SHIELD OF MICHIGAN, BLUE CARE NETWORK OF MICHIGAN, STARMOUNT LIFE INSURANCE COMPANY and UNUM LIFE INSURANCE COMPANY OF AMERICA. 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 | 942 | Jul 1, 2025 | $6,422,902 | $246,771 |
| BLUE CARE NETWORK OF MICHIGAN | Health | 609 | Jul 1, 2025 | $3,856,470 | $137,833 |
| STARMOUNT LIFE INSURANCE COMPANY | Dental | 1,632 | Jul 1, 2025 | $902,356 | $90,236 |
| UNUM INSURANCE COMPANY | — | 710 | Jul 1, 2025 | $192,609 | $38,522 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life | 879 | Jul 1, 2025 | $255,421 | $38,313 |
| STARMOUNT LIFE INSURANCE COMPANY | Vision | 1,534 | Jul 1, 2025 | $192,488 | $23,099 |
| UNUM INSURANCE COMPANY | — | 466 | Jul 1, 2025 | $123,397 | $20,232 |
| UNUM INSURANCE COMPANY | — | 837 | Jul 1, 2025 | $130,291 | $19,543 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life, Disability | 1,545 | Jul 1, 2025 | $547,699 | $14,880 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Disability | 471 | Jul 1, 2025 | $304,984 | $0 |
Premium and claims on these contracts
BLUE CROSS BLUE SHIELD OF MICHIGAN, contract 283688. For the contract year on this filing, the carrier reported $6,422,902 in premium earned and $7,138,714 in claims incurred. Dividing one by the other gives 111%.
BLUE CARE NETWORK OF MICHIGAN, contract 283688. For the contract year on this filing, the carrier reported $3,856,470 in premium earned and $2,885,149 in claims incurred. Dividing one by the other gives 75%.
- BLUE CROSS BLUE SHIELD OF MICHIGAN, contract 283688 reported $1,620,042 in retention.
- BLUE CARE NETWORK OF MICHIGAN, contract 283688 reported $947,384 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
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