Form 5500 · Employee benefit plan · LANSING, MI
MICHIGAN BEER & WINE WHOLESALERS ASSN.
The filing calls this plan MICHIGAN BEVERAGE COLLECTIVE EMPLOYEE BENEFIT PLAN.
MICHIGAN BEER & WINE WHOLESALERS ASSN. of LANSING, MI is a 1,389-participant wholesale trade employer — a large group whose insured benefits are disclosed on Schedule A of its Form 5500. Its broker of record is GALLAGHER BENEFIT SERVICES, INC.. Coverage is written through BLUE CROSS BLUE SHIELD OF MICHIGAN and 2 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 38-0832060 · plan 505 · plan year 2025, filed Aug 21, 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
Fully insured as reported
The plan's own financial statement reports paying insurance carriers about what the insurance contracts report in premium.
The filing says this plan is subject to the Form M-1 requirement for multiple-employer welfare arrangements.
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.
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 3 insured contracts covering health, dental, vision and disability; the largest, with BLUE CROSS BLUE SHIELD OF MICHIGAN, covers 2,718 people.
Reported premium across the insured contracts is $21,610,029, with $2,742 in disclosed broker commissions — about 0% 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.
GALLAGHER BENEFIT SERVICES, INC. is the broker of record on 1 of the 3 contracts; the rest name a different broker or none.
3 carriers appear on the filing, including BLUE CROSS BLUE SHIELD OF MICHIGAN, HARTFORD LIFE AND ACCIDENT and VISION SERVICE PLAN. BLUE CROSS BLUE SHIELD OF MICHIGAN writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| VISION SERVICE PLAN | Vision | 1,197 | Jan 1, 2026 | $110,650 | $2,742 |
| BLUE CROSS BLUE SHIELD OF MICHIGAN | Health, Dental | 2,718 | Jan 1, 2026 | $21,221,954 | $0 |
| HARTFORD LIFE AND ACCIDENT | Disability | 1,300 | Jan 1, 2026 | $277,425 | $0 |
Premium and claims on these contracts
VISION SERVICE PLAN, contract 12136580. For the contract year on this filing, the carrier reported $110,650 in premium earned and $85,670 in claims incurred. Dividing one by the other gives 77%.
BLUE CROSS BLUE SHIELD OF MICHIGAN, contract 279422. For the contract year on this filing, the carrier reported $21,221,954 in premium earned and $18,317,440 in claims incurred. Dividing one by the other gives 86%.
- VISION SERVICE PLAN, contract 12136580 reported $19,364 in retention.
- BLUE CROSS BLUE SHIELD OF MICHIGAN, contract 279422 reported $3,933,734 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
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.
Other plans filed by this employer
How this plan compares
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Renewal calendar
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