Form 5500 · Employee benefit plan · FLINT, MI
ENNIS CENTER FOR CHILDREN
The filing calls this plan ENNIS CENTER FOR CHILDREN EMPLOYEE BENEFITS PLAN.
ENNIS CENTER FOR CHILDREN of FLINT, MI spreads its employee benefits across 4 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is MICHAEL C SPLEET. 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 38-2222428 · plan 501 · plan year 2025, filed Jul 7, 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
One contract on this filing does not say which benefits it covers, so a line above may be insured by it.
Also declared: 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 7 insured contracts covering health, dental, vision and life; the largest, with BLUE CROSS BLUE SHIELD OF MICHIGAN, covers 171 people.
The filing declares health, dental, vision, life and disability. Disability appears with no insured contract on Schedule A. That coverage may be self-funded, placed with a carrier that is not on this filing, or written on the contract here that does not say what it covers.
Reported premium across the insured contracts is $1,094,938, with $38,665 in disclosed broker commissions — about 3.5% 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.
MICHAEL C SPLEET is the broker of record on 4 of the 7 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN | Health | 171 | Jan 1, 2026 | $842,220 | $24,928 |
| KANSAS CITY LIFE INSURANCE COMPANY | Life | 138 | Jan 1, 2026 | $46,142 | $4,811 |
| BLUE CROSS BLUE SHIELD OF MICHIGAN | Health | 18 | Jan 1, 2026 | $110,795 | $3,335 |
| DELTA DENTAL OF MICHIGAN | Dental | 155 | Jan 1, 2026 | $61,456 | $2,897 |
| EYEMED VISION CARE | Vision | 198 | Jan 1, 2026 | $12,559 | $1,377 |
| DELTA DENTAL OF MICHIGAN | Dental | 58 | Jan 1, 2026 | $14,198 | $698 |
| KANSAS CITY LIFE INSURANCE COMPANY | — | 32 | Jan 1, 2026 | $7,568 | $619 |
Premium and claims on these contracts
BLUE CROSS BLUE SHIELD OF MICHIGAN, contract 104092. For the contract year on this filing, the carrier reported $842,220 in premium earned and $472,649 in claims incurred. Dividing one by the other gives 56%.
BLUE CROSS BLUE SHIELD OF MICHIGAN, contract 104092. For the contract year on this filing, the carrier reported $110,795 in premium earned and $185,484 in claims incurred. Dividing one by the other gives 167%.
DELTA DENTAL OF MICHIGAN, contract 3907. For the contract year on this filing, the carrier reported $61,228 in premium earned and $52,441 in claims incurred. Dividing one by the other gives 86%.
DELTA DENTAL OF MICHIGAN, contract 8181. For the contract year on this filing, the carrier reported $14,148 in premium earned and $10,877 in claims incurred. Dividing one by the other gives 77%.
- BLUE CROSS BLUE SHIELD OF MICHIGAN, contract 104092 reported $246,767 in retention.
- BLUE CROSS BLUE SHIELD OF MICHIGAN, contract 104092 reported $29,378 in retention.
- DELTA DENTAL OF MICHIGAN, contract 3907 reported $11,230 in retention.
- DELTA DENTAL OF MICHIGAN, contract 8181 reported $2,595 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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