Form 5500 · Employee benefit plan · TRENTON, MI
FRITZ ENTERPRISES, INC.
The filing calls this plan FRITZ ENTERPRISES, INC. GROUP HEALTH, DISABILITY, AND LIFE INSURANCE PLAN.
FRITZ ENTERPRISES, INC. of TRENTON, MI is a 142-participant manufacturing employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is KAPNICK & COMPANY, INC.. 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 38-1960773 · plan 501 · plan year 2024, filed Oct 10, 2025
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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: 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 9 insured contracts covering health, dental, life and disability; the largest, with BLUE CROSS BLUE SHIELD OF MICHIGAN, covers 471 people.
Reported premium across the insured contracts is $4,306,829, with $84,927 in disclosed broker commissions — about 2% 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.
KAPNICK & COMPANY, INC. is the broker of record on all 9 contracts.
4 carriers appear on the filing, including BLUE CROSS BLUE SHIELD OF MICHIGAN, UNITED OF OMAHA LIFE INSURANCE COMPANY, DELTA DENTAL OF MICHIGAN and COLONIAL LIFE & ACCIDENT INSURANCE COMPANY. BLUE CROSS BLUE SHIELD OF MICHIGAN writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN | Health | 471 | Jan 1, 2025 | $3,896,132 | $55,621 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Life, Disability | 477 | Jan 1, 2025 | $212,320 | $12,503 |
| DELTA DENTAL OF MICHIGAN | Dental | 415 | Jan 1, 2025 | $155,586 | $7,600 |
| COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | Life | 33 | Jan 1, 2025 | $22,318 | $5,129 |
| COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | Life | 11 | Jan 1, 2025 | $12,290 | $2,451 |
| COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | Life | 4 | Jan 1, 2025 | $3,809 | $725 |
| COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | Life | 2 | Jan 1, 2025 | $2,449 | $436 |
| COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | Life | 3 | Jan 1, 2025 | $1,449 | $270 |
| COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | Life | 1 | Jan 1, 2025 | $476 | $192 |
Premium and claims on these contracts
BLUE CROSS BLUE SHIELD OF MICHIGAN, contract 275478. For the contract year on this filing, the carrier reported $3,896,132 in premium earned and $4,314,914 in claims incurred. Dividing one by the other gives 111%.
DELTA DENTAL OF MICHIGAN, contract 0010102. For the contract year on this filing, the carrier reported $155,586 in premium earned and $122,288 in claims incurred. Dividing one by the other gives 79%.
- BLUE CROSS BLUE SHIELD OF MICHIGAN, contract 275478 reported $824,722 in retention.
- DELTA DENTAL OF MICHIGAN, contract 0010102 reported $20,226 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.
Other plans filed by this employer
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