Form 5500 · Employee benefit plan · WYOMING, MI
MUSKEGON CAR CREDIT, INC
The filing calls this plan MUSKEGON CAR CREDIT, INC. WELFARE BENEFIT PLAN.
Public Form 5500 records show how MUSKEGON CAR CREDIT, INC of WYOMING, MI, a retail employer, structures its employee benefits. Its broker of record is VALERIE MCCOY. Coverage is written through BLUE CARE NETWORK 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 38-3175006 · plan 501 · plan year 2025, filed Jun 24, 2026
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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
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 and vision; the largest, with BLUE CARE NETWORK OF MICHIGAN, covers 203 people.
Reported premium across the insured contracts is $1,253,373, with $46,432 in disclosed broker commissions — about 3.7% 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.
VALERIE MCCOY 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 CARE NETWORK OF MICHIGAN, DELTA DENTAL OF MICHIGAN and EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO.. BLUE CARE NETWORK OF MICHIGAN writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUE CARE NETWORK OF MICHIGAN | Health | 203 | Jan 1, 2026 | $1,166,683 | $37,510 |
| DELTA DENTAL OF MICHIGAN | Dental | 216 | Jan 1, 2026 | $76,255 | $5,587 |
| EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | Vision | 189 | Jan 1, 2026 | $10,435 | $3,335 |
Premium and claims on these contracts
BLUE CARE NETWORK OF MICHIGAN, contract 251890. For the contract year on this filing, the carrier reported $1,166,683 in premium earned and $1,134,996 in claims incurred. Dividing one by the other gives 97%.
DELTA DENTAL OF MICHIGAN, contract 10881. For the contract year on this filing, the carrier reported $76,255 in premium earned and $69,371 in claims incurred. Dividing one by the other gives 91%.
- BLUE CARE NETWORK OF MICHIGAN, contract 251890 reported $175,022 in retention.
- DELTA DENTAL OF MICHIGAN, contract 10881 reported $15,556 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.
Other plans filed by this employer
How this plan compares
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