Form 5500 · Employee benefit plan · REDFORD, MI
PAT MILLIKEN FORD, INC.
The filing calls this plan PAT MILLIKEN FORD FLEXIBLE BENEFIT PLAN.
Public Form 5500 records show how PAT MILLIKEN FORD, INC. of REDFORD, MI, a retail employer, structures its employee benefits. Its broker of record is STEVE MATTAR. Coverage is written through BLUE CARE NETWORK OF MICHIGAN and 2 other carriers. The plan's most recent policy period ended in February.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 38-1611966 · plan 501 · plan year 2026, filed Jul 20, 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, life and disability; the largest, with BLUE CARE NETWORK OF MICHIGAN, covers 184 people.
Reported premium across the insured contracts is $1,253,436, with $78,161 in disclosed broker commissions — about 6.2% of premium.
The most recent policy period ended in February, and the plan year ends February 28. Group contracts typically renew on that annual cycle.
STEVE MATTAR is the broker of record on 1 of the 8 contracts; the rest name a different broker or none.
3 carriers appear on the filing, including BLUE CARE NETWORK OF MICHIGAN, AMERITAS LIFE INSURANCE CORP. and RELIANCE STANDARD LIFE INSURANCE COMPANY. BLUE CARE NETWORK OF MICHIGAN writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUE CARE NETWORK OF MICHIGAN | Health | 184 | Mar 1, 2026 | $969,277 | $43,356 |
| RELIANCE STANDARD LIFE INSURANCE COMPANY | — | 54 | Mar 1, 2026 | $30,452 | $7,613 |
| RELIANCE STANDARD LIFE INSURANCE COMPANY | Disability | 115 | Mar 1, 2026 | $69,009 | $7,417 |
| RELIANCE STANDARD LIFE INSURANCE COMPANY | Life | 144 | Mar 1, 2026 | $58,895 | $6,084 |
| RELIANCE STANDARD LIFE INSURANCE COMPANY | — | 61 | Mar 1, 2026 | $21,636 | $5,409 |
| RELIANCE STANDARD LIFE INSURANCE COMPANY | — | 56 | Mar 1, 2026 | $21,078 | $4,216 |
| AMERITAS LIFE INSURANCE CORP. | Dental, Vision | 102 | Mar 1, 2026 | $77,322 | $2,912 |
| RELIANCE STANDARD LIFE INSURANCE COMPANY | Disability | 14 | Mar 1, 2026 | $5,767 | $1,154 |
Premium and claims on this contract
BLUE CARE NETWORK OF MICHIGAN, contract 150802. For the contract year on this filing, the carrier reported $969,277 in premium earned and $935,615 in claims incurred. Dividing one by the other gives 97%.
- BLUE CARE NETWORK OF MICHIGAN, contract 150802 reported $329,510 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.
Other plans filed by this employer
How this plan compares
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