Form 5500 · Employee benefit plan · DETROIT, MI
FOREFRONT HEALTHCARE LLC
The filing calls this plan FOREFRONT HEALTHCARE HEALTH AND WELFARE BENEFIT PLAN.
FOREFRONT HEALTHCARE LLC of DETROIT, MI is a 913-participant health care and social assistance employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is DEAN E. AUSTIN. Coverage is written through BLUE CROSS BLUE SHIELD OF MICHIGAN and 1 other carrier. The plan's most recent policy period ended in July.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 83-2894435 · plan 501 · plan year 2025, filed Dec 8, 2025
Get an email when this employer files a new Form 5500, and again about four months before its plan renews.
76 other employer plans in Michigan have policy years ending in July. 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.
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, life and disability; the largest, with BLUE CROSS BLUE SHIELD OF MICHIGAN, covers 471 people.
Reported premium across the insured contracts is $4,591,586, with $271,628 in disclosed broker commissions — about 5.9% of premium.
The most recent policy period ended in July, and the plan year ends July 31. Group contracts typically renew on that annual cycle.
DEAN E. AUSTIN 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 GUARDIAN LIFE INSURANCE COMPANY OF AMERICA.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN | Health | 471 | Aug 1, 2025 | $3,869,531 | $155,424 |
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Dental, Vision, Life, Disability | 982 | Aug 1, 2025 | $722,055 | $116,204 |
Premium and claims on this contract
BLUE CROSS BLUE SHIELD OF MICHIGAN, contract 290530. For the contract year on this filing, the carrier reported $3,869,531 in premium earned and $2,985,449 in claims incurred. Dividing one by the other gives 77%.
- BLUE CROSS BLUE SHIELD OF MICHIGAN, contract 290530 reported $1,100,542 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
How this plan compares
Subscribers see how this compares with similar plans in Michigan. A subscription also adds this plan's filing history and the renewal calendar for its state. See plans and prices
Without an account you can open 10 employer, broker and carrier pages a day, including through an AI assistant, and 50 a day with a free account. Paid plans are what keep these records free to read.
Renewal calendar
76 other employer plans in Michigan are August 1 renewals (policy year ends July).
Their policy years end in July, like this plan’s, so most renew August 1. The calendar lists every insured group by renewal date and state, with broker of record, carrier and disclosed commission. You can preview the five largest in each month for free.
Claude & ChatGPT
Look up records from Claude or ChatGPT
Add Form5500Lookup to Claude or ChatGPT and ask about any employer, broker or carrier in plain English. Lookups are free. Renewal lists, full books of business and exports are included with a subscription.
Building a list or a tool from these records? Match a list you already have from $29 per 1,000 records, or license the whole dataset as a weekly file for $499 a month. See both
More employer plans in Michigan — largest plans, brokers, carriers and renewal months.