Form 5500 · Employee benefit plan · GRAND RAPIDS, MI
HOPE NETWORK
The filing calls this plan HOPE NETWORK EMPLOYEE BENEFIT PLAN.
HOPE NETWORK of GRAND RAPIDS, MI spreads its employee benefits across 7 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is JAMES ALTON. Coverage is written through PRIORITY HEALTH and 6 other carriers. The plan's most recent policy period ended in September.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 38-6108186 · plan 501 · plan year 2025, filed Mar 13, 2026
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84 other employer plans in Michigan have policy years ending in September. 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 7 insured contracts covering health, dental, vision, life and disability; the largest, with PRIORITY HEALTH, covers 1,628 people.
Reported premium across the insured contracts is $12,576,945, with $287,561 in disclosed broker commissions — about 2.3% of premium.
The most recent policy period ended in September, and the plan year ends September 30. Group contracts typically renew on that annual cycle.
JAMES ALTON is the broker of record on 1 of the 7 contracts; the rest name a different broker or none.
7 carriers appear on the filing, including PRIORITY HEALTH, DELTA DENTAL OF MICHIGAN, LIFE INSURANCE COMPANY OF NORTH AMERICA and CIGNA HEALTH AND LIFE INSURANCE COMPANY. PRIORITY HEALTH writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| PRIORITY HEALTH | Health | 1,628 | Oct 1, 2025 | $10,814,236 | $167,843 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Life, Disability | 2,600 | Oct 1, 2025 | $640,804 | $40,902 |
| DELTA DENTAL OF MICHIGAN | Dental | 1,955 | Oct 1, 2025 | $739,942 | $36,982 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | 2,600 | Oct 1, 2025 | $238,137 | $35,731 |
| EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | Vision | 1,708 | Oct 1, 2025 | $123,056 | $6,103 |
| ENCOMPASS EAP, LLC | — | 2,600 | Oct 1, 2025 | $20,770 | $0 |
| PRIORITY HEALTH INSURANCE COMPANY | Health | — | Oct 1, 2025 | — | $0 |
Premium and claims on this contract
DELTA DENTAL OF MICHIGAN, contract 5168. For the contract year on this filing, the carrier reported $739,942 in premium earned and $570,803 in claims incurred. Dividing one by the other gives 77%.
- DELTA DENTAL OF MICHIGAN, contract 5168 reported $92,418 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.
Reported to OSHA
Reported to OSHA for 2025: 182 employees, 0 recordable cases, 0 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
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