Form 5500 · Employee benefit plan · MT. PLEASANT, MI
ISABELLA BANK CORPORATION
The filing calls this plan ISABELLA BANK CORPORATION HEALTH & DENTAL PLAN.
ISABELLA BANK CORPORATION of MT. PLEASANT, MI insures health, dental, vision, life and stop-loss coverage for its employees, per Schedule A of its Form 5500. Its broker of record is JOHN DILORENZO. 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 38-2830092 · plan 506 · plan year 2025, filed Jul 6, 2026
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1,931 other employer plans in Michigan have policy years ending in December. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Self-funded as reported
The filing reports a stop-loss contract and no medical premium, which is what a plan that pays its own claims reports.
A stop-loss policy appears on a Form 5500 only when the plan itself is the beneficiary, or the premiums are paid from plan money. Many employers buy stop-loss and never report it here. So a plan with no stop-loss on its filing may still have it.
Benefits declared on this filing
2 contracts on this filing do not say which benefits they cover, so a line above may be insured by one of them.
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.
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 5 insured contracts covering health, dental, vision, life and stop-loss; the largest, with BLUE CROSS BLUE SHIELD OF MICHIGAN, covers 559 people.
The filing declares health, dental, vision, life and disability. Disability appears with no insured contract on Schedule A. That coverage may be self-funded, placed with a carrier that is not on this filing, or written on one of the 2 contracts here that do not say what they cover.
The medical plan carries stop-loss coverage: the filing reports the plan paying its own health claims, with insured protection against large ones.
Reported premium across the insured contracts is $1,170,901, with $47,145 in disclosed broker commissions — about 4% 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.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN | Health, Vision, Stop-loss | 559 | Jan 1, 2026 | $876,105 | $30,310 |
| KANSAS CITY LIFE INSURANCE COMPANY | Life | 332 | Jan 1, 2026 | $88,494 | $8,853 |
| DELTA DENTAL OF MICHIGAN | Dental | 632 | Jan 1, 2026 | $166,534 | $5,007 |
| KANSAS CITY LIFE INSURANCE COMPANY | — | 57 | Jan 1, 2026 | $29,894 | $2,975 |
| ULLIANCE, INC. | — | 376 | Jan 1, 2026 | $9,874 | $0 |
Premium and claims on this contract
DELTA DENTAL OF MICHIGAN, contract 7738. For the contract year on this filing, the carrier reported $166,534 in premium earned and $130,964 in claims incurred. Dividing one by the other gives 79%.
- DELTA DENTAL OF MICHIGAN, contract 7738 reported $24,863 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
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Renewal calendar
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