Form 5500 · Employee benefit plan · HOUGHTON LAKE, MI
NORTHLAND INVESTMENTS INC.
The filing calls this plan NORTHLAND INVESTMENTS INC. HEALTH BENEFIT PLAN.
NORTHLAND INVESTMENTS INC. of HOUGHTON LAKE, MI files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is BRIAN T COTE. Coverage is written through BLUE CARE NETWORK OF MICHIGAN and 4 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 38-3175904 · plan 501 · plan year 2025, filed Jul 22, 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: 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 8 insured contracts covering health, dental, vision and life; the largest, with BLUE CARE NETWORK OF MICHIGAN, covers 111 people.
The filing declares health, life and disability. Disability appears with no insured contract on Schedule A. That coverage may be self-funded, or placed with a carrier that is not on this filing.
Reported premium across the insured contracts is $1,017,838, with $40,813 in disclosed broker commissions — about 4% of premium.
The health contract's policy period ended in December, while at least one ancillary line's policy period ended in May. The plan is on a split renewal cycle.
BRIAN T COTE is the broker of record on 2 of the 8 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUE CARE NETWORK OF MICHIGAN | Health | 111 | Jan 1, 2026 | $563,373 | $17,751 |
| BLUE CROSS BLUE SHIELD OF MICHIGAN | Health | 33 | Jan 1, 2026 | $348,974 | $11,164 |
| DELTA DENTAL OF MICHIGAN | Dental | 142 | Jan 1, 2026 | $73,457 | $7,611 |
| EYEMED VISION CARE | Vision | 145 | Jan 1, 2026 | $13,463 | $1,501 |
| AMERICAN UNITED LIFE INSURANCE COMPANY | Life | 46 | Jan 1, 2026 | $8,704 | $1,306 |
| AMERICAN UNITED LIFE INSURANCE COMPANY | Life | 29 | Jan 1, 2026 | $6,086 | $913 |
| AMERICAN UNITED LIFE INSURANCE COMPANY | Life | 39 | Jan 1, 2026 | $3,417 | $513 |
| AMERICAN UNITED LIFE INSURANCE COMPANY | Life | 13 | Jun 1, 2025 | $364 | $54 |
Premium and claims on these contracts
BLUE CARE NETWORK OF MICHIGAN, contract 278065. For the contract year on this filing, the carrier reported $563,373 in premium earned and $495,147 in claims incurred. Dividing one by the other gives 88%.
BLUE CROSS BLUE SHIELD OF MICHIGAN, contract 278065. For the contract year on this filing, the carrier reported $348,974 in premium earned and $135,969 in claims incurred. Dividing one by the other gives 39%.
DELTA DENTAL OF MICHIGAN, contract 0011181. For the contract year on this filing, the carrier reported $73,457 in premium earned and $54,807 in claims incurred. Dividing one by the other gives 75%.
- BLUE CARE NETWORK OF MICHIGAN, contract 278065 reported $196,302 in retention.
- BLUE CROSS BLUE SHIELD OF MICHIGAN, contract 278065 reported $95,803 in retention.
- DELTA DENTAL OF MICHIGAN, contract 0011181 reported $16,513 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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