Form 5500 · Employee benefit plan · SAGINAW, MI
MORLEY COMPANIES, INC.
The filing calls this plan MORLEY COMPANIES, INC. WELFARE PLAN.
MORLEY COMPANIES, INC. of SAGINAW, MI insures health, dental, vision, life and disability coverage for its employees, per Schedule A of its Form 5500. Its broker of record is GREGORY J SURMONT. 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 38-2687736 · plan 504 · plan year 2025, filed Jun 30, 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 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 7 insured contracts covering health, dental, vision, life and disability; the largest, with BLUE CROSS BLUE SHIELD OF MICHIGAN, covers 1,876 people.
Reported premium across the insured contracts is $13,609,938, with $380,752 in disclosed broker commissions — about 2.8% 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.
GREGORY J SURMONT is the broker of record on 1 of the 7 contracts; the rest name a different broker or none.
3 carriers appear on the filing, including BLUE CROSS BLUE SHIELD OF MICHIGAN, BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA and THE LINCOLN NATIONAL LIFE INSURANCE COMPANY. 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, Vision | 1,876 | Jan 1, 2026 | $10,610,217 | $264,403 |
| BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | Health | 145 | May 1, 2025 | $2,045,315 | $61,040 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Life | 1,712 | Jan 1, 2026 | $257,807 | $30,273 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Disability | 1,712 | Jan 1, 2026 | $364,249 | $9,924 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Disability | 1,712 | Jan 1, 2026 | $172,568 | $7,822 |
| BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | Dental | 155 | May 1, 2025 | $144,987 | $7,290 |
| BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | Vision | 145 | May 1, 2025 | $14,795 | $0 |
Premium and claims on these contracts
BLUE CROSS BLUE SHIELD OF MICHIGAN, contract 100616. For the contract year on this filing, the carrier reported $10,610,217 in premium earned and $10,046,798 in claims incurred. Dividing one by the other gives 95%.
BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA, contract 7085459. For the contract year on this filing, the carrier reported $2,045,315 in premium earned and $2,567,959 in claims incurred. Dividing one by the other gives 126%.
BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA, contract 7085459. For the contract year on this filing, the carrier reported $144,987 in premium earned and $96,854 in claims incurred. Dividing one by the other gives 67%.
- BLUE CROSS BLUE SHIELD OF MICHIGAN, contract 100616 reported $2,081,661 in retention.
- BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA, contract 7085459 reported $-522,644 in retention.
- BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA, contract 7085459 reported $48,133 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: 1,983 employees, 1 recordable cases, 0 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
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