Form 5500 · Employee benefit plan · LIVONIA, MI
NYX, INC.
The filing calls this plan NYX, INC. PREMIUM SAVINGS & HEALTH INS. PLAN.
NYX, INC. of LIVONIA, MI files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is AXION RMS LTD.. Coverage is written through BLUECROSS BLUESHIELD OF TENNESSEE, INC. and 3 other carriers. The plan's most recent policy period ended in September.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 38-2806132 · plan 501 · plan year 2025, filed Sep 10, 2025
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84 other employer plans in Michigan have policy years ending in September. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Both, as reported
The medical insurance contracts on the filing cover fewer than half the people in the plan, so the rest is paid another way.
A stop-loss policy appears on a Form 5500 only when the plan itself is the beneficiary, or the premiums are paid from plan money. Many employers buy stop-loss and never report it here. So a plan with no stop-loss on its filing may still have it.
Benefits declared on this filing
Also declared: supplemental unemployment, 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 7 insured contracts covering health, vision, life, disability and stop-loss.
The filing declares health, vision, life, disability and dental. Dental 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.
The medical plan carries stop-loss coverage: the filing reports the plan paying its own health claims, with insured protection against large ones.
Reported premium across the insured contracts is $3,236,087, with $210,489 in disclosed broker commissions — about 6.5% of premium.
The most recent policy period ended in September, and the plan year ends April 30. Group contracts typically renew on that annual cycle.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| SUN LIFE ASSURANCE COMPANY OF CANADA | Life, Disability | 1,675 | Oct 1, 2024 | $500,658 | $90,849 |
| BLUECROSS BLUESHIELD OF TENNESSEE, INC. | Health | 306 | Oct 1, 2024 | $1,477,417 | $49,612 |
| SUN LIFE ASSURANCE COMPANY OF CANADA | Stop-loss | 845 | Oct 1, 2024 | $1,035,982 | $36,259 |
| SUN LIFE ASSURANCE COMPANY OF CANADA | Life, Disability | 256 | Oct 1, 2024 | $118,198 | $22,663 |
| EYEMED VISION CARE | Vision | 1,501 | Oct 1, 2024 | $83,130 | $9,052 |
| EYEMED VISION CARE | Vision | 355 | Oct 1, 2024 | $20,702 | $2,054 |
| BLUE CROSS BLUE SHIELD OF MICHIGAN | Stop-loss | 861 | Oct 1, 2024 | — | $0 |
Premium and claims on this contract
BLUECROSS BLUESHIELD OF TENNESSEE, INC., contract 82076. For the contract year on this filing, the carrier reported $1,477,417 in premium earned and $1,566,013 in claims incurred. Dividing one by the other gives 106%.
- BLUECROSS BLUESHIELD OF TENNESSEE, INC., contract 82076 reported $265,745 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. The service providers are named on Schedule C of this filing. We publish company names only.
Other plans filed by this employer
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Renewal calendar
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