Form 5500 · Employee benefit plan · STERLING HEIGHTS, MI
J.G. KERN ENTERPRISES INC
The filing calls this plan J.G. KERN ENTERPRISES INC INSURANCE PLAN.
Public Form 5500 records show how J.G. KERN ENTERPRISES INC of STERLING HEIGHTS, MI, a manufacturing employer, structures its employee benefits. Its broker of record is TRAVIS PORTA. Coverage is written through BLUE CARE NETWORK OF MICHIGAN and 1 other carrier. The plan's most recent policy period ended in February.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 38-1961152 · plan 501 · plan year 2025, filed Jun 30, 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
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 2 insured contracts covering health, dental, vision and life; the largest, with BLUE CARE NETWORK OF MICHIGAN, covers 240 people.
Reported premium across the insured contracts is $1,258,341, with $45,267 in disclosed broker commissions — about 3.6% of premium.
The most recent policy period ended in February, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
TRAVIS PORTA is the broker of record on 1 of the 2 contracts; the rest name a different broker or none.
Two carriers split the book: BLUE CARE NETWORK OF MICHIGAN and PRINCIPAL LIFE INSURANCE COMPANY.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUE CARE NETWORK OF MICHIGAN | Health | 240 | Mar 1, 2025 | $1,143,899 | $33,367 |
| PRINCIPAL LIFE INSURANCE COMPANY | Health, Dental, Vision, Life | 306 | Mar 1, 2025 | $114,442 | $11,900 |
Premium and claims on this contract
BLUE CARE NETWORK OF MICHIGAN, contract 142885. For the contract year on this filing, the carrier reported $1,143,899 in premium earned and $948,477 in claims incurred. Dividing one by the other gives 83%.
- BLUE CARE NETWORK OF MICHIGAN, contract 142885 reported $337,545 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: 266 employees, 7 recordable cases, 83 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
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