Form 5500 · Employee benefit plan · DOWAGIAC, MI
LIVING ALTERNATIVES FOR THE DEVELOPMENTALLY DISABLED, INC.
The filing calls this plan LIVING ALTERNATIVES FOR THE DEVELOPMENTALLY DISABLED, INC. WELFARE PLAN.
LIVING ALTERNATIVES FOR THE DEVELOPMENTALLY DISABLED, INC. of DOWAGIAC, MI insures health, dental, vision and life coverage for its employees, per Schedule A of its Form 5500. Its broker of record is MELISSA ARMATIS. Coverage is written through BLUE CROSS BLUE SHEILD and 4 other carriers. The plan's most recent policy period ended in July.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 38-2213535 · plan 501 · plan year 2025, filed Dec 22, 2025
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76 other employer plans in Michigan have policy years ending in July. 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.
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 5 insured contracts covering health, dental, vision and life; the largest, with BLUE CROSS BLUE SHEILD, covers 132 people.
Reported premium across the insured contracts is $1,576,864, with $49,635 in disclosed broker commissions — about 3.1% of premium.
The most recent policy period ended in July, and the plan year ends July 31. Group contracts typically renew on that annual cycle.
MELISSA ARMATIS is the broker of record on 2 of the 5 contracts; the rest name a different broker or none.
5 carriers appear on the filing, including BLUE CROSS BLUE SHEILD, BLUE CARE NETWORK OF MICHIGAN, AMERITAS LIFE INSURANCE CORP. and UNITED OF OMAHA LIFE INSURANCE COMPANY. BLUE CROSS BLUE SHEILD writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUE CROSS BLUE SHEILD | Health | 132 | Aug 1, 2025 | $1,007,070 | $30,849 |
| BLUE CARE NETWORK OF MICHIGAN | Health | 68 | Aug 1, 2025 | $460,943 | $13,644 |
| AMERITAS LIFE INSURANCE CORP. | Dental | 433 | Aug 1, 2025 | $87,662 | $3,041 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Life | 325 | Aug 1, 2025 | $11,278 | $1,128 |
| EYEMED VISION CARE | Vision | 337 | Aug 1, 2025 | $9,911 | $973 |
Premium and claims on these contracts
BLUE CROSS BLUE SHEILD, contract 145952. For the contract year on this filing, the carrier reported $1,007,070 in premium earned and $944,056 in claims incurred. Dividing one by the other gives 94%.
BLUE CARE NETWORK OF MICHIGAN, contract 145952. For the contract year on this filing, the carrier reported $460,943 in premium earned and $235,925 in claims incurred. Dividing one by the other gives 51%.
- BLUE CROSS BLUE SHEILD, contract 145952 reported $252,161 in retention.
- BLUE CARE NETWORK OF MICHIGAN, contract 145952 reported $111,731 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: 524 employees, 13 recordable cases, 92 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
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