Form 5500 · Employee benefit plan · AUBURN HILLS, MI
EASTERSEALS MORC HEALTHCARE, INC.
The filing calls this plan EASTERSEALS MORC HEALTH AND WELFARE PLAN.
EASTERSEALS MORC HEALTHCARE, INC. of AUBURN HILLS, MI spreads its employee benefits across 8 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is REBECCA A. MCLAUGHLAN. Coverage is written through BLUE CARE NETWORK OF MICHIGAN and 7 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 38-1402860 · plan 501 · plan year 2025, filed Jun 30, 2026
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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.
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 CARE NETWORK OF MICHIGAN, covers 889 people.
Reported premium across the insured contracts is $14,168,431, with $383,216 in disclosed broker commissions — about 2.7% 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.
REBECCA A. MCLAUGHLAN is the broker of record on 1 of the 10 contracts; the rest name a different broker or none.
8 carriers appear on the filing, including BLUE CARE NETWORK OF MICHIGAN, BLUE CROSS BLUE SHIELD OF MICHIGAN, DELTA DENTAL OF MICHIGAN 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 | 889 | Jan 1, 2026 | $6,549,103 | $97,159 |
| BLUE CROSS BLUE SHIELD OF MICHIGAN | Health | 650 | Jan 1, 2026 | $5,932,246 | $87,987 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life, Disability | 942 | Jan 1, 2026 | $567,614 | $77,611 |
| DELTA DENTAL OF MICHIGAN | Dental | 1,661 | Jan 1, 2026 | $766,005 | $76,232 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life | 419 | Jan 1, 2026 | $127,577 | $17,474 |
| UNUM INSURANCE COMPANY | — | 317 | Jan 1, 2026 | $68,847 | $10,330 |
| EYEMED VISION CARE | Vision | 1,545 | Jan 1, 2026 | $84,691 | $9,123 |
| UNUM INSURANCE COMPANY | — | 249 | Jan 1, 2026 | $49,112 | $6,890 |
| PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | — | 16 | Jan 1, 2026 | $3,182 | $410 |
| HEALTH MANAGEMENT SYSTEMS | — | 857 | Jan 1, 2026 | $20,054 | $0 |
Premium and claims on these contracts
BLUE CARE NETWORK OF MICHIGAN, contract 133619. For the contract year on this filing, the carrier reported $6,549,103 in premium earned and $6,029,523 in claims incurred. Dividing one by the other gives 92%.
BLUE CROSS BLUE SHIELD OF MICHIGAN, contract 133619. For the contract year on this filing, the carrier reported $5,932,246 in premium earned and $7,451,463 in claims incurred. Dividing one by the other gives 126%.
DELTA DENTAL OF MICHIGAN, contract 1337. For the contract year on this filing, the carrier reported $765,404 in premium earned and $617,621 in claims incurred. Dividing one by the other gives 81%.
- BLUE CARE NETWORK OF MICHIGAN, contract 133619 reported $1,195,203 in retention.
- BLUE CROSS BLUE SHIELD OF MICHIGAN, contract 133619 reported $1,060,885 in retention.
- DELTA DENTAL OF MICHIGAN, contract 1337 reported $128,052 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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