Form 5500 · Employee benefit plan · IRON MOUNTAIN, MI
DICKINSON COUNTY HEALTHCARE SYSTEM
The filing calls this plan MARSHFIELD MEDICAL CENTER - DICKINSON WELFARE BENEFIT PLAN.
DICKINSON COUNTY HEALTHCARE SYSTEM of IRON MOUNTAIN, MI insures health, dental, vision and life coverage for its employees, per Schedule A of its Form 5500. Its broker of record is VINCENT J ROSE. Coverage is written through BLUE CROSS BLUE SHIELD OF MICHIGAN and 1 other carrier. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 38-2780429 · plan 501 · plan year 2024, filed Oct 13, 2025
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1,931 other employer plans in Michigan have policy years ending in December. 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, 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.
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 2 insured contracts covering health, dental, vision and life; the largest, with BLUE CROSS BLUE SHIELD OF MICHIGAN, covers 1,026 people.
Reported premium across the insured contracts is $5,298,010, with $103,122 in disclosed broker commissions — about 1.9% 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.
VINCENT J ROSE is the broker of record on 1 of the 2 contracts; the rest name a different broker or none.
Two carriers split the book: BLUE CROSS BLUE SHIELD OF MICHIGAN and THE LINCOLN NATIONAL LIFE INSURANCE COMPANY.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN | Health, Dental, Vision | 1,026 | Jan 1, 2025 | $5,198,163 | $88,145 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Life | 728 | Jan 1, 2025 | $99,847 | $14,977 |
Premium and claims on this contract
BLUE CROSS BLUE SHIELD OF MICHIGAN, contract 115999. For the contract year on this filing, the carrier reported $5,198,163 in premium earned and $4,432,545 in claims incurred. Dividing one by the other gives 85%.
- BLUE CROSS BLUE SHIELD OF MICHIGAN, contract 115999 reported $1,318,704 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: 614 employees, 24 recordable cases, 23 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
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Renewal calendar
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