Form 5500 · Employee benefit plan · MOUNT PLEASANT, MI
CRISIS CENTER, INC.
The filing calls this plan CRISIS CENTER, INC. DBA LISTENING EAR CRISIS CENTER HEALTH AND WELFARE PLAN.
CRISIS CENTER, INC. of MOUNT PLEASANT, MI is a 158-participant health care and social assistance employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is KEVIN D. CUMINGS. Coverage is written through BLUE CARE NETWORK OF MICHIGAN and 3 other carriers. The plan's most recent policy period ended in August.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 38-1974024 · plan 501 · plan year 2025, filed Mar 2, 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, 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 5 insured contracts covering health, dental, vision and life; the largest, with BLUE CARE NETWORK OF MICHIGAN, covers 123 people.
Reported premium across the insured contracts is $1,006,257, with $46,523 in disclosed broker commissions — about 4.6% of premium.
The health contract's policy period ended in August, while at least one ancillary line's policy period ended in September. The plan is on a split renewal cycle.
KEVIN D. CUMINGS is the broker of record on 1 of the 5 contracts; the rest name a different broker or none.
4 carriers appear on the filing, including BLUE CARE NETWORK OF MICHIGAN, DELTA DENTAL OF MICHIGAN, VISION SERVICE PLAN and UNUM LIFE INSURANCE COMPANY OF AMERICA. BLUE CARE NETWORK OF MICHIGAN writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUE CARE NETWORK OF MICHIGAN | Health | 123 | Sep 1, 2025 | $936,701 | $42,122 |
| DELTA DENTAL OF MICHIGAN | Dental | 130 | Sep 1, 2025 | $51,171 | $3,180 |
| VISION SERVICE PLAN | Vision | 100 | Sep 1, 2025 | $12,093 | $648 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life | 165 | Sep 1, 2025 | $6,292 | $573 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life | 165 | Oct 1, 2025 | — | $0 |
Premium and claims on these contracts
BLUE CARE NETWORK OF MICHIGAN, contract 100520. For the contract year on this filing, the carrier reported $936,701 in premium earned and $1,339,359 in claims incurred. Dividing one by the other gives 143%.
DELTA DENTAL OF MICHIGAN, contract 1675. For the contract year on this filing, the carrier reported $47,441 in premium earned and $21,516 in claims incurred. Dividing one by the other gives 45%.
- BLUE CARE NETWORK OF MICHIGAN, contract 100520 reported $260,358 in retention.
- DELTA DENTAL OF MICHIGAN, contract 1675 reported $8,302 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.
How this plan compares
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