Form 5500 · Employee benefit plan · BLOOMFIELD HILLS, MI
PLUNKETT COONEY, P.C.
The filing calls this plan WELFARE BENEFITS PLAN FOR EMPLOYEES OF PLUNKETT COONEY, P.C.
PLUNKETT COONEY, P.C. of BLOOMFIELD HILLS, MI is a 192-participant professional services employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is MARSH & MCLENNAN INS. AGENCY, LLC. Coverage is written through UNUM LIFE INSURANCE COMPANY OF AMERICA and 5 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 38-1896842 · plan 510 · plan year 2025, filed Jun 30, 2026
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How this plan is funded
Funding not settled by the filing
The filing does not report enough to settle how this plan pays for benefits.
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 6 insured contracts covering health, dental, vision, life and disability; the largest, with UNUM LIFE INSURANCE COMPANY OF AMERICA, covers 199 people.
Reported premium across the insured contracts is $845,377, with $54,040 in disclosed broker commissions — about 6.4% 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.
MARSH & MCLENNAN INS. AGENCY, LLC is the broker of record on 3 of the 6 contracts; the rest name a different broker or none.
6 carriers appear on the filing, including UNUM LIFE INSURANCE COMPANY OF AMERICA, DELTA DENTAL OF MICHIGAN, METROPOLITAN LIFE INSURANCE COMPANY and VISION SERVICE PLAN. UNUM LIFE INSURANCE COMPANY OF AMERICA writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| DELTA DENTAL OF MICHIGAN | Health, Dental | 487 | Jan 1, 2026 | $280,902 | $25,799 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life, Disability | 199 | Jan 1, 2026 | $346,303 | $21,035 |
| METROPOLITAN LIFE INSURANCE COMPANY | Life | 42 | Jan 1, 2026 | $184,164 | $5,789 |
| VISION SERVICE PLAN | Vision | 157 | Jan 1, 2026 | $28,188 | $1,417 |
| TELUS HEALTH (US) LTD. | — | 220 | Jan 1, 2026 | $3,198 | $0 |
| PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | Disability | 10 | Jan 1, 2026 | $2,622 | $0 |
Premium and claims on this contract
DELTA DENTAL OF MICHIGAN, contract 0010789. For the contract year on this filing, the carrier reported $258,856 in premium earned and $203,923 in claims incurred. Dividing one by the other gives 79%.
- DELTA DENTAL OF MICHIGAN, contract 0010789 reported $44,083 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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