Form 5500 · Employee benefit plan · TROY, MI
JOINT BOARD OF TRUSTEES OF MRCC EMPLOYEE BENEFITS FUND
The filing calls this plan MICHIGAN REGIONAL COUNCIL OF CARPENTERS' EMPLOYEE BENEFITS FUND.
JOINT BOARD OF TRUSTEES OF MRCC EMPLOYEE BENEFITS FUND of TROY, MI is a 7,781-participant construction employer — a large group whose insured benefits are disclosed on Schedule A of its Form 5500. Its broker of record is BENEFITS PARTNER LLC. Coverage is written through HUMANA INSURANCE COMPANY and 6 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 38-3508105 · plan 501 · plan year 2025, filed Jul 2, 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 benefits paid from the plan's own money, and no medical insurance contract on Schedule A.
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
One contract on this filing does not say which benefits it covers, so a line above may be insured by it.
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 8 insured contracts covering health, dental and vision; the largest, with HUMANA INSURANCE COMPANY, covers 2,747 people.
The filing declares health, life and disability. Life and disability appear 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 the contract here that does not say what it covers.
Reported premium across the insured contracts is $7,804,608, with $272,635 in disclosed broker commissions — about 3.5% of premium.
The health contract's policy period ended in December, while at least one ancillary line's policy period ended in April. The plan is on a split renewal cycle.
BENEFITS PARTNER LLC is the broker of record on 2 of the 8 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| HUMANA INSURANCE COMPANY | Health | 2,747 | Jan 1, 2025 | $3,664,113 | $272,351 |
| HUMANA INSURANCE COMPANY OF NEW YORK | Health | 4 | Jan 1, 2025 | $3,725 | $284 |
| DELTA DENTAL OF MICHIGAN | Dental | 13,081 | May 1, 2025 | $2,541,044 | $0 |
| PARTNERRE AMERICA INSURANCE CO | — | — | Jul 1, 2024 | $598,359 | $0 |
| DELTA DENTAL OF MICHIGAN | Dental | 1,993 | May 1, 2025 | $473,821 | $0 |
| VISION SERVICE PLAN | Vision | 5,901 | May 1, 2025 | $387,847 | $0 |
| DENCAP DENTAL PLANS, INC. | Dental | 706 | May 1, 2025 | $135,699 | $0 |
| BCBS - INDEPENDENCE ADMINISTRATORS | Health | 6,788 | Jan 1, 2025 | — | $0 |
Premium and claims on these contracts
PARTNERRE AMERICA INSURANCE CO, contract P0313462301. For the contract year on this filing, the carrier reported $598,359 in premium earned and $71,755 in claims incurred. Dividing one by the other gives 12%.
VISION SERVICE PLAN, contract 30070208. For the contract year on this filing, the carrier reported $387,847 in premium earned and $445,372 in claims incurred. Dividing one by the other gives 115%.
- VISION SERVICE PLAN, contract 30070208 reported $57,525 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. The service providers are named on Schedule C of this filing. We publish company names only.
Money the plan held and paid out
Sourced from U.S. DOL EFAST2 Form 5500 · Schedule H
These are the plan's own figures from Schedule H, the financial statement it files. They are not the premium on Schedule A.
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