Form 5500 · Employee benefit plan · CLINTON TOWNSHIP, MI
MICHIGAN SCHOOLS AND GOVERNMENT CREDIT UNION
The filing calls this plan MICHIGAN SCHOOLS AND GOVERNMENT CREDIT UNION HEALTH AND WELFARE BENEFIT PLAN.
MICHIGAN SCHOOLS AND GOVERNMENT CREDIT UNION of CLINTON TOWNSHIP, MI files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is KIMBERLY PERKINS. Coverage is written through BLUE CROSS BLUE SHIELD OF MICHIGAN and 6 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 38-1629793 · plan 510 · plan year 2025, filed Jul 8, 2026
Get an email when this employer files a new Form 5500, and again about four months before its plan renews.
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 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, 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 7 insured contracts covering health, dental, vision, life and disability; the largest, with BLUE CROSS BLUE SHIELD OF MICHIGAN, covers 990 people.
Reported premium across the insured contracts is $7,907,905, with $160,016 in disclosed broker commissions — about 2% 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.
KIMBERLY PERKINS is the broker of record on 2 of the 7 contracts; the rest name a different broker or none.
7 carriers appear on the filing, including BLUE CROSS BLUE SHIELD OF MICHIGAN, BLUE CARE NETWORK OF MICHIGAN, UNUM LIFE INSURANCE COMPANY OF AMERICA and EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO.. BLUE CROSS BLUE SHIELD OF MICHIGAN writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN | Health, Dental | 990 | Jan 1, 2026 | $6,349,676 | $114,882 |
| BLUE CARE NETWORK OF MICHIGAN | Health | 157 | Jan 1, 2026 | $1,097,445 | $20,659 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life, Disability | 471 | Jan 1, 2026 | $367,855 | $17,520 |
| UNUM INSURANCE COMPANY | Health | 35 | Jan 1, 2026 | $20,574 | $4,115 |
| EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | Vision | 841 | Jan 1, 2026 | $56,810 | $2,840 |
| ULLIANCE, INC. | — | 473 | Jan 1, 2026 | $15,545 | $0 |
| STARR INDEMNITY & LIABILITY COMPANY | — | 450 | Apr 22, 2025 | — | $0 |
Premium and claims on these contracts
BLUE CROSS BLUE SHIELD OF MICHIGAN, contract 146512. For the contract year on this filing, the carrier reported $6,349,676 in premium earned and $9,695,279 in claims incurred. Dividing one by the other gives 153%.
BLUE CARE NETWORK OF MICHIGAN, contract 146512. For the contract year on this filing, the carrier reported $1,097,445 in premium earned and $619,923 in claims incurred. Dividing one by the other gives 56%.
- BLUE CROSS BLUE SHIELD OF MICHIGAN, contract 146512 reported $1,440,448 in retention.
- BLUE CARE NETWORK OF MICHIGAN, contract 146512 reported $219,718 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.
How this plan compares
Subscribers see how this compares with similar plans in Michigan. A subscription also adds this plan's filing history and the renewal calendar for its state. See plans and prices
Without an account you can open 10 employer, broker and carrier pages a day, including through an AI assistant, and 50 a day with a free account. Paid plans are what keep these records free to read.
Renewal calendar
1,931 other employer plans in Michigan are January 1 renewals (policy year ends December).
Their policy years end in December, like this plan’s, so most renew January 1. The calendar lists every insured group by renewal date and state, with broker of record, carrier and disclosed commission. You can preview the five largest in each month for free.
Claude & ChatGPT
Look up records from Claude or ChatGPT
Add Form5500Lookup to Claude or ChatGPT and ask about any employer, broker or carrier in plain English. Lookups are free. Renewal lists, full books of business and exports are included with a subscription.
Building a list or a tool from these records? Match a list you already have from $29 per 1,000 records, or license the whole dataset as a weekly file for $499 a month. See both
More employer plans in Michigan — largest plans, brokers, carriers and renewal months.