Form 5500 · Employee benefit plan · CARO, MI
HUMAN DEVELOPMENT COMMISSION
The filing calls this plan HUMAN DEVELOPMENT COMMISSION WELFARE PLAN.
HUMAN DEVELOPMENT COMMISSION of CARO, MI files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is MICHAEL C SPLEET. Coverage is written through BLUE CROSS BLUE SHIELD OF MICHIGAN and 1 other carrier. The plan's most recent policy period ended in September.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 38-1792679 · plan 501 · plan year 2025, filed Apr 29, 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
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 136 people.
Reported premium across the insured contracts is $1,104,363, with $59,196 in disclosed broker commissions — about 5.4% 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.
MICHAEL C SPLEET is the broker of record on all 2 contracts.
Two carriers split the book: BLUE CROSS BLUE SHIELD OF MICHIGAN and KANSAS CITY LIFE INSURANCE COMPANY.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN | Health | 136 | Oct 1, 2025 | $988,616 | $46,440 |
| KANSAS CITY LIFE INSURANCE COMPANY | Dental, Vision, Life, Disability | 115 | Oct 1, 2025 | $115,747 | $12,756 |
Premium and claims on this contract
BLUE CROSS BLUE SHIELD OF MICHIGAN, contract 100438. For the contract year on this filing, the carrier reported $988,616 in premium earned and $989,364 in claims incurred. Dividing one by the other gives 100%.
- BLUE CROSS BLUE SHIELD OF MICHIGAN, contract 100438 reported $283,363 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
How this plan compares
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