Form 5500 · Employee benefit plan · WATERFORD, MI
OAK ELECTRIC SERVICE, INC.
The filing calls this plan OAK ELECTRIC SERVICE, INC. EMPLOYEE BENEFITS PLAN.
Public Form 5500 records show how OAK ELECTRIC SERVICE, INC. of WATERFORD, MI, a construction employer, structures its employee benefits. Its broker of record is DOUGLAS H. ROEHM. Coverage is written through PRIORITY HEALTH and 4 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 38-3493492 · plan 502 · plan year 2025, filed Apr 10, 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 5 insured contracts covering health, dental, vision, life and disability; the largest, with PRIORITY HEALTH, covers 255 people.
Reported premium across the insured contracts is $1,292,968, with $72,007 in disclosed broker commissions — about 5.6% 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.
DOUGLAS H. ROEHM is the broker of record on 1 of the 5 contracts; the rest name a different broker or none.
5 carriers appear on the filing, including PRIORITY HEALTH, THE LINCOLN NATIONAL LIFE INSURANCE COMPANY, 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 | 255 | Jan 1, 2026 | $1,062,085 | $53,063 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Life, Disability | 186 | Jan 1, 2026 | $119,458 | $12,600 |
| DELTA DENTAL OF MICHIGAN | Health, Dental | 268 | Jan 1, 2026 | $95,600 | $4,488 |
| NGL | Vision | 224 | Jan 1, 2026 | $14,157 | $1,416 |
| LEGALSHIELD | — | 10 | Jan 1, 2026 | $1,668 | $440 |
Premium and claims on this contract
DELTA DENTAL OF MICHIGAN, contract 5713. For the contract year on this filing, the carrier reported $95,600 in premium earned and $65,230 in claims incurred. Dividing one by the other gives 68%.
- DELTA DENTAL OF MICHIGAN, contract 5713 reported $17,399 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.
Reported to OSHA
Reported to OSHA for 2025: 160 employees, 7 recordable cases, 102 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
How this plan compares
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