Form 5500 · Employee benefit plan · DETROIT, MI
NEIGHBORHOOD SERVICE ORGANIZATION
The filing calls this plan NEIGHBORHOOD SERVICE ORGANIZATION WELFARE BENEFIT PLANS.
Public Form 5500 records show how NEIGHBORHOOD SERVICE ORGANIZATION of DETROIT, MI, a health care and social assistance employer, structures its employee benefits. Its broker of record is REBECCA MCLAUGHLIN. Coverage is written through PRIORITY HEALTH and 5 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 38-1561624 · plan 501 · plan year 2025, filed Sep 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
Also declared: prepaid legal, 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 6 insured contracts covering health, dental, vision, life and disability; the largest, with PRIORITY HEALTH, covers 175 people.
Reported premium across the insured contracts is $1,736,582, with $75,945 in disclosed broker commissions — about 4.4% 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.
REBECCA MCLAUGHLIN is the broker of record on 1 of the 6 contracts; the rest name a different broker or none.
6 carriers appear on the filing, including PRIORITY HEALTH, HARTFORD LIFE AND ACCIDENT, DELTA DENTAL OF MICHIGAN and NGL. PRIORITY HEALTH writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| PRIORITY HEALTH | Health | 175 | Jan 1, 2026 | $1,419,200 | $42,552 |
| HARTFORD LIFE AND ACCIDENT | Health, Life, Disability | 175 | Jan 1, 2026 | $227,375 | $27,962 |
| DELTA DENTAL OF MICHIGAN | Dental | 206 | Jan 1, 2026 | $74,574 | $3,584 |
| NGL | Vision | 197 | Jan 1, 2026 | $10,288 | $1,029 |
| PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | — | 32 | Jan 1, 2026 | $4,636 | $696 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | — | 5 | Jan 1, 2026 | $509 | $122 |
Premium and claims on this contract
DELTA DENTAL OF MICHIGAN, contract 3845. For the contract year on this filing, the carrier reported $74,574 in premium earned and $51,525 in claims incurred. Dividing one by the other gives 69%.
- DELTA DENTAL OF MICHIGAN, contract 3845 reported $11,789 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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