Form 5500 · Employee benefit plan · TROY, MI
HMS PRODUCTS CO./HMS MFG. CO.
The filing calls this plan HMS PRODUCTS CO./HMS MFG. CO. EMPLOYEE BENEFITS PLAN.
HMS PRODUCTS CO./HMS MFG. CO. of TROY, MI insures health, dental, vision, life and disability coverage for its employees, per Schedule A of its Form 5500. Its broker of record is REBECCA A. MCLAUGHLAN. Coverage is written through BLUE CROSS BLUE SHIELD OF MICHIGAN and 6 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 38-2196316 · plan 502 · plan year 2024, filed Sep 24, 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: prepaid legal, 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 12 insured contracts covering health, dental, vision, life and disability; the largest, with BLUE CROSS BLUE SHIELD OF MICHIGAN, covers 340 people.
Reported premium across the insured contracts is $2,398,376, with $114,505 in disclosed broker commissions — about 4.8% 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 2 of the 12 contracts; the rest name a different broker or none.
7 carriers appear on the filing, including BLUE CROSS BLUE SHIELD OF MICHIGAN, BLUE CARE NETWORK OF MICHIGAN, DELTA DENTAL OF MICHIGAN and UNUM LIFE INSURANCE COMPANY OF AMERICA. BLUE CROSS BLUE SHIELD OF MICHIGAN writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUE CARE NETWORK OF MICHIGAN | Health | 147 | Jan 1, 2025 | $823,334 | $49,036 |
| BLUE CROSS BLUE SHIELD OF MICHIGAN | Health, Vision | 340 | Jan 1, 2025 | $1,190,328 | $33,843 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life | 161 | Jan 1, 2025 | $68,796 | $10,319 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life, Disability | 332 | Jan 1, 2025 | $115,834 | $8,765 |
| DELTA DENTAL OF MICHIGAN | Dental | 500 | Jan 1, 2025 | $158,617 | $5,274 |
| UNUM INSURANCE COMPANY | — | 59 | Jan 1, 2025 | $11,137 | $2,221 |
| UNUM INSURANCE COMPANY | — | 26 | Jan 1, 2025 | $9,249 | $1,847 |
| UNUM INSURANCE COMPANY | — | 37 | Jan 1, 2025 | $7,205 | $1,438 |
| PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | — | 33 | Jan 1, 2025 | $5,131 | $858 |
| PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | — | 21 | Jan 1, 2025 | $4,226 | $595 |
| AFLAC | Disability | 6 | Jan 1, 2025 | $3,667 | $261 |
| AFLAC | Disability | 1 | Jan 1, 2025 | $852 | $48 |
Premium and claims on these contracts
BLUE CARE NETWORK OF MICHIGAN, contract 105116. For the contract year on this filing, the carrier reported $823,334 in premium earned and $697,819 in claims incurred. Dividing one by the other gives 85%.
BLUE CROSS BLUE SHIELD OF MICHIGAN, contract 105116. For the contract year on this filing, the carrier reported $1,190,328 in premium earned and $1,471,758 in claims incurred. Dividing one by the other gives 124%.
DELTA DENTAL OF MICHIGAN, contract 1756. For the contract year on this filing, the carrier reported $156,870 in premium earned and $106,868 in claims incurred. Dividing one by the other gives 68%.
- BLUE CARE NETWORK OF MICHIGAN, contract 105116 reported $219,622 in retention.
- BLUE CROSS BLUE SHIELD OF MICHIGAN, contract 105116 reported $344,631 in retention.
- DELTA DENTAL OF MICHIGAN, contract 1756 reported $21,413 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.
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