Form 5500 · Employee benefit plan · GRAND RAPIDS, MI
SPECTRUM HEALTH SYSTEM
The filing calls this plan SPECTRUM HEALTH SYSTEM BENEFIT PLAN.
SPECTRUM HEALTH SYSTEM of GRAND RAPIDS, MI is a 29,529-participant health care and social assistance employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is STRATEGIC NON-MEDICAL SOLUTIONS LLC. Coverage is written through PRIORITY HEALTH and 5 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 38-3382353 · plan 550 · plan year 2023, filed Oct 14, 2024
Get an email when this employer files a new Form 5500, and again about four months before its plan renews.
1,931 other employer plans in Michigan have policy years ending in December. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
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
3 contracts on this filing do not say which benefits they cover, so a line above may be insured by one of them.
Also declared: severance, 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 38 insured contracts covering health, vision, life and disability; the largest, with PRIORITY HEALTH, covers 23,180 people.
The filing declares health, vision, life, disability and dental. Dental appears with no insured contract on Schedule A. That coverage may be self-funded, placed with a carrier that is not on this filing, or written on one of the 3 contracts here that do not say what they cover.
Reported premium across the insured contracts is $332,782,345, with $214,182 in disclosed broker commissions — about 0.1% 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.
STRATEGIC NON-MEDICAL SOLUTIONS LLC is the broker of record on 1 of the 38 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| RELIASTAR LIFE INSURANCE COMPANY | Life | 53,136 | Jan 1, 2024 | $7,544,181 | $94,920 |
| PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | 332 | Jan 1, 2024 | $551,137 | $82,670 |
| PRUDENTIAL INSURANCE COMPANY OF AMERICA | Disability | 29,075 | Jan 1, 2024 | $6,339,971 | $36,082 |
| ZURICH AMERICAN INSURANCE COMPANY | — | 513 | Jan 1, 2024 | $3,399 | $510 |
| PRIORITY HEALTH | Health | 23,180 | Jan 1, 2024 | $98,615,323 | $0 |
| PRIORITY HEALTH | Health | 12,300 | Jan 1, 2024 | $62,480,363 | $0 |
| PRIORITY HEALTH | Health | 10,806 | Jan 1, 2024 | $54,122,162 | $0 |
| PRIORITY HEALTH | Health | 6,293 | Jan 1, 2024 | $30,285,477 | $0 |
| PRIORITY HEALTH | Health | 4,860 | Jan 1, 2024 | $25,065,803 | $0 |
| PRIORITY HEALTH | Health | 1,452 | Jan 1, 2024 | $6,692,071 | $0 |
| PRIORITY HEALTH | Health | 1,214 | Jan 1, 2024 | $5,698,150 | $0 |
| PRIORITY HEALTH | Health | 1,065 | Jan 1, 2024 | $5,678,395 | $0 |
| PRIORITY HEALTH | Health | 991 | Jan 1, 2024 | $4,711,190 | $0 |
| PRIORITY HEALTH | Health | 986 | Jan 1, 2024 | $4,544,094 | $0 |
| PRIORITY HEALTH | Health | 866 | Jan 1, 2024 | $3,397,998 | $0 |
| PRIORITY HEALTH | Health | 611 | Jan 1, 2024 | $3,098,887 | $0 |
| PRIORITY HEALTH | Health | 572 | Jan 1, 2024 | $2,924,183 | $0 |
| PRIORITY HEALTH | Health | 521 | Jan 1, 2024 | $2,629,895 | $0 |
| PRIORITY HEALTH | Health | 420 | Jan 1, 2024 | $1,697,946 | $0 |
| VISION SERVICE PLAN | Vision | 6,402 | Jan 1, 2024 | $1,122,961 | $0 |
| VISION SERVICE PLAN | Vision | 5,285 | Jan 1, 2024 | $1,048,887 | $0 |
| ENCOMPASS EAP, LLC | — | 29,541 | Jan 1, 2024 | $867,031 | $0 |
| PRIORITY HEALTH | Health | 11 | Jan 1, 2024 | $838,906 | $0 |
| PRIORITY HEALTH | Health | 162 | Jan 1, 2024 | $709,076 | $0 |
| VISION SERVICE PLAN | Vision | 2,702 | Jan 1, 2024 | $615,517 | $0 |
| PRIORITY HEALTH | Health | 74 | Jan 1, 2024 | $380,011 | $0 |
| VISION SERVICE PLAN | Vision | 1,992 | Jan 1, 2024 | $375,015 | $0 |
| PRIORITY HEALTH | Health | 37 | Jan 1, 2024 | $211,199 | $0 |
| VISION SERVICE PLAN | Vision | 426 | Jan 1, 2024 | $99,576 | $0 |
| VISION SERVICE PLAN | Vision | 338 | Jan 1, 2024 | $70,537 | $0 |
| VISION SERVICE PLAN | Vision | 322 | Jan 1, 2024 | $69,229 | $0 |
| VISION SERVICE PLAN | Vision | 336 | Jan 1, 2024 | $64,779 | $0 |
| VISION SERVICE PLAN | Vision | 296 | Jan 1, 2024 | $62,114 | $0 |
| VISION SERVICE PLAN | Vision | 292 | Jan 1, 2024 | $58,322 | $0 |
| VISION SERVICE PLAN | Vision | 196 | Jan 1, 2024 | $36,949 | $0 |
| VISION SERVICE PLAN | Vision | 162 | Jan 1, 2024 | $34,015 | $0 |
| VISION SERVICE PLAN | Vision | 154 | Jan 1, 2024 | $33,285 | $0 |
| VISION SERVICE PLAN | Vision | 24 | Jan 1, 2024 | $4,311 | $0 |
Premium and claims on these contracts
VISION SERVICE PLAN, contract 12105635 (F). For the contract year on this filing, the carrier reported $1,122,961 in premium earned and $799,302 in claims incurred. Dividing one by the other gives 71%.
VISION SERVICE PLAN, contract 12105635 (I). For the contract year on this filing, the carrier reported $1,048,887 in premium earned and $787,402 in claims incurred. Dividing one by the other gives 75%.
VISION SERVICE PLAN, contract 12105635 (H). For the contract year on this filing, the carrier reported $615,517 in premium earned and $449,480 in claims incurred. Dividing one by the other gives 73%.
VISION SERVICE PLAN, contract 12105635 (N). For the contract year on this filing, the carrier reported $375,015 in premium earned and $290,800 in claims incurred. Dividing one by the other gives 78%.
VISION SERVICE PLAN, contract 12105635 (D). For the contract year on this filing, the carrier reported $99,576 in premium earned and $76,958 in claims incurred. Dividing one by the other gives 77%.
VISION SERVICE PLAN, contract 12105635 (C). For the contract year on this filing, the carrier reported $70,537 in premium earned and $49,612 in claims incurred. Dividing one by the other gives 70%.
VISION SERVICE PLAN, contract 12105635 (J). For the contract year on this filing, the carrier reported $69,229 in premium earned and $57,056 in claims incurred. Dividing one by the other gives 82%.
VISION SERVICE PLAN, contract 12105635 (B). For the contract year on this filing, the carrier reported $64,779 in premium earned and $46,066 in claims incurred. Dividing one by the other gives 71%.
VISION SERVICE PLAN, contract 1210563 (M). For the contract year on this filing, the carrier reported $62,114 in premium earned and $46,250 in claims incurred. Dividing one by the other gives 74%.
VISION SERVICE PLAN, contract 12105635 (E). For the contract year on this filing, the carrier reported $58,322 in premium earned and $38,603 in claims incurred. Dividing one by the other gives 66%.
VISION SERVICE PLAN, contract 12105635 (L). For the contract year on this filing, the carrier reported $36,949 in premium earned and $26,625 in claims incurred. Dividing one by the other gives 72%.
VISION SERVICE PLAN, contract 12105635 (K). For the contract year on this filing, the carrier reported $34,015 in premium earned and $31,070 in claims incurred. Dividing one by the other gives 91%.
VISION SERVICE PLAN, contract 12105635 (G). For the contract year on this filing, the carrier reported $33,285 in premium earned and $28,502 in claims incurred. Dividing one by the other gives 86%.
VISION SERVICE PLAN, contract 12105635 (A). For the contract year on this filing, the carrier reported $4,311 in premium earned and $3,168 in claims incurred. Dividing one by the other gives 73%.
- VISION SERVICE PLAN, contract 12105635 (F) reported $129,141 in retention.
- VISION SERVICE PLAN, contract 12105635 (I) reported $120,622 in retention.
- VISION SERVICE PLAN, contract 12105635 (H) reported $70,784 in retention.
- VISION SERVICE PLAN, contract 12105635 (N) reported $43,127 in retention.
- VISION SERVICE PLAN, contract 12105635 (D) reported $11,451 in retention.
- VISION SERVICE PLAN, contract 12105635 (C) reported $8,112 in retention.
- VISION SERVICE PLAN, contract 12105635 (J) reported $7,961 in retention.
- VISION SERVICE PLAN, contract 12105635 (B) reported $7,450 in retention.
- VISION SERVICE PLAN, contract 1210563 (M) reported $7,143 in retention.
- VISION SERVICE PLAN, contract 12105635 (E) reported $6,707 in retention.
- VISION SERVICE PLAN, contract 12105635 (L) reported $4,249 in retention.
- VISION SERVICE PLAN, contract 12105635 (K) reported $3,912 in retention.
- VISION SERVICE PLAN, contract 12105635 (G) reported $3,828 in retention.
- VISION SERVICE PLAN, contract 12105635 (A) reported $496 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: 2,271 employees, 4 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
Subscribers see how this compares with similar plans in Michigan. A subscription also adds this plan's filing history and the renewal calendar for its state. See plans and prices
Without an account you can open 10 employer, broker and carrier pages a day, including through an AI assistant, and 50 a day with a free account. Paid plans are what keep these records free to read.
Renewal calendar
1,931 other employer plans in Michigan are January 1 renewals (policy year ends December).
Their policy years end in December, like this plan’s, so most renew January 1. The calendar lists every insured group by renewal date and state, with broker of record, carrier and disclosed commission. You can preview the five largest in each month for free.
Claude & ChatGPT
Look up records from Claude or ChatGPT
Add Form5500Lookup to Claude or ChatGPT and ask about any employer, broker or carrier in plain English. Lookups are free. Renewal lists, full books of business and exports are included with a subscription.
Building a list or a tool from these records? Match a list you already have from $29 per 1,000 records, or license the whole dataset as a weekly file for $499 a month. See both
More employer plans in Michigan — largest plans, brokers, carriers and renewal months.