Form 5500 · Employee benefit plan · MADISON HEIGHTS, MI
MCNAUGHTON-MCKAY ELECTRIC COMPANY
The filing calls this plan MCNAUGHTON-MCKAY ELECTRIC COMPANY GROUP BENEFIT PLAN.
MCNAUGHTON-MCKAY ELECTRIC COMPANY of MADISON HEIGHTS, MI is a 1,058-participant wholesale trade employer — a large group whose insured benefits are disclosed on Schedule A of its Form 5500. Its broker of record is CAMBRIDGE CONSULTING GROUP INC.. Coverage is written through DELTA DENTAL OF MICHIGAN and 5 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 38-0812640 · plan 501 · plan year 2025, filed Jun 19, 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
Funding not settled by the filing
The filing does not report enough to settle how this plan pays for benefits.
Benefits declared on this filing
Also declared: death benefits, 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 8 insured contracts covering health, dental, vision, life and disability; the largest, with DELTA DENTAL OF MICHIGAN, covers 3,745 people.
Reported premium across the insured contracts is $2,784,514, with $109,157 in disclosed broker commissions — about 3.9% 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.
CAMBRIDGE CONSULTING GROUP INC. is the broker of record on 5 of the 8 contracts; the rest name a different broker or none.
6 carriers appear on the filing, including DELTA DENTAL OF MICHIGAN, THE LINCOLN NATIONAL LIFE INSURANCE COMPANY, VISION SERVICE PLAN and METROPOLITAN LIFE INSURANCE COMPANY. DELTA DENTAL OF MICHIGAN writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Life | 1,236 | Jan 1, 2026 | $420,482 | $42,048 |
| DELTA DENTAL OF MICHIGAN | Dental | 3,745 | Jan 1, 2026 | $1,343,849 | $25,834 |
| METROPOLITAN LIFE INSURANCE COMPANY | — | 10 | Jan 1, 2026 | $54,658 | $22,294 |
| TELADOC HEALTH, INC. | Health | 1,669 | Jan 1, 2026 | $53,870 | $8,080 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Disability | 1,956 | Jan 1, 2026 | $385,778 | $6,429 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Life | 1,956 | Jan 1, 2026 | $186,025 | $4,472 |
| VISION SERVICE PLAN | Vision | 1,501 | Jan 1, 2026 | $289,250 | $0 |
| ULLIANCE, INC. | — | 1,843 | Jan 1, 2026 | $50,602 | $0 |
Premium and claims on these contracts
DELTA DENTAL OF MICHIGAN, contract 5482. For the contract year on this filing, the carrier reported $1,343,849 in premium earned and $1,083,603 in claims incurred. Dividing one by the other gives 81%.
VISION SERVICE PLAN, contract 12237980. For the contract year on this filing, the carrier reported $289,250 in premium earned and $221,263 in claims incurred. Dividing one by the other gives 76%.
- DELTA DENTAL OF MICHIGAN, contract 5482 reported $128,741 in retention.
- VISION SERVICE PLAN, contract 12237980 reported $50,619 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: 898 employees, 16 recordable cases, 266 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
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