Form 5500 · Employee benefit plan · FARMINGTON HILLS, MI
NUCO HEALTH, LLC
The filing calls this plan NUCO HEALTH DBA HEALTHRISE.
Public Form 5500 records show how NUCO HEALTH, LLC of FARMINGTON HILLS, MI, a professional services employer, structures its employee benefits. Its broker of record is EUGENE F. LOVASCO. Coverage is written through BLUE CROSS BLUE SHIELD OF MICHIGAN and 1 other carrier. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 46-0951661 · plan 501 · plan year 2025, filed Jun 21, 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: 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.
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, vision, life and disability; the largest, with BLUE CROSS BLUE SHIELD OF MICHIGAN, covers 470 people.
Reported premium across the insured contracts is $3,111,831, with $168,732 in disclosed broker commissions — about 5.4% 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.
EUGENE F. LOVASCO is the broker of record on 1 of the 3 contracts; the rest name a different broker or none.
Two carriers split the book: BLUE CROSS BLUE SHIELD OF MICHIGAN and UNUM LIFE INSURANCE COMPANY OF AMERICA.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN | Health, Dental, Vision | 470 | Jan 1, 2026 | $2,904,385 | $141,903 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life, Disability | 498 | Jan 1, 2026 | $169,973 | $21,524 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | — | 86 | Jan 1, 2026 | $37,473 | $5,305 |
Premium and claims on this contract
BLUE CROSS BLUE SHIELD OF MICHIGAN, contract 623864. For the contract year on this filing, the carrier reported $2,904,385 in premium earned and $3,541,286 in claims incurred. Dividing one by the other gives 122%.
- BLUE CROSS BLUE SHIELD OF MICHIGAN, contract 623864 reported $953,715 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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