Form 5500 · Employee benefit plan · STERLING HEIGHTS, MI
SERVE ELECTRIC LLC
The filing calls this plan SERVE ELECTRIC.
SERVE ELECTRIC LLC of STERLING HEIGHTS, MI files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is ONI RISK PARTNERS. Coverage is written through UNITED OF OMAHA LIFE INSURANCE COMPANY and 1 other carrier. The plan's most recent policy period ended in January.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 83-1897614 · plan 501 · plan year 2025, filed May 26, 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: death benefits.
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 3 insured contracts covering health, dental, vision, life and disability; the largest, with UNITED OF OMAHA LIFE INSURANCE COMPANY, covers 177 people.
Reported premium across the insured contracts is $281,651, with $13,203 in disclosed broker commissions — about 4.7% of premium.
The health contract's policy period ended in January, while at least one ancillary line's policy period ended in December. The plan is on a split renewal cycle.
ONI RISK PARTNERS is the broker of record on 1 of the 3 contracts; the rest name a different broker or none.
Two carriers split the book: UNITED OF OMAHA LIFE INSURANCE COMPANY and BLUE CARE NETWORK OF MICHIGAN.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Dental, Vision, Life, Disability | 177 | Jan 1, 2026 | $167,035 | $13,203 |
| BLUE CARE NETWORK OF MICHIGAN | Health | 242 | Feb 1, 2025 | $89,491 | $0 |
| BLUE CARE NETWORK OF MICHIGAN | Health | 60 | Feb 1, 2025 | $25,125 | $0 |
Premium and claims on this contract
BLUE CARE NETWORK OF MICHIGAN, contract 600796. For the contract year on this filing, the carrier reported $89,491 in premium earned and $79,700 in claims incurred. Dividing one by the other gives 89%.
- BLUE CARE NETWORK OF MICHIGAN, contract 600796 reported $27,408 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: 182 employees, 3 recordable cases, 0 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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