Form 5500 · Employee benefit plan · GRAND RAPIDS, MI
STENGER & STENGER, P.C.
The filing calls this plan STENGER & STENGER, P.C. EMPLOYEE BENEFIT PLAN.
STENGER & STENGER, P.C. of GRAND RAPIDS, MI insures health, dental, vision, life and disability coverage for its employees, per Schedule A of its Form 5500. Its broker of record is VALERIE MCCOY. Coverage is written through BLUE CARE NETWORK OF MICHIGAN and 3 other carriers. The plan's most recent policy period ended in May.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 38-3209735 · plan 504 · plan year 2025, filed Nov 18, 2025
Get an email when this employer files a new Form 5500, and again about four months before its plan renews.
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: 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.
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 4 insured contracts covering health, dental, vision, life and disability; the largest, with BLUE CARE NETWORK OF MICHIGAN, covers 146 people.
Reported premium across the insured contracts is $1,123,676, with $45,195 in disclosed broker commissions — about 4% of premium.
The most recent policy period ended in May, and the plan year ends May 31. Group contracts typically renew on that annual cycle.
VALERIE MCCOY is the broker of record on 1 of the 4 contracts; the rest name a different broker or none.
4 carriers appear on the filing, including BLUE CARE NETWORK OF MICHIGAN, METROPOLITAN LIFE INSURANCE COMPANY, DELTA DENTAL OF MICHIGAN and EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO.. 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 | 146 | Jun 1, 2025 | $911,246 | $26,407 |
| METROPOLITAN LIFE INSURANCE COMPANY | Life, Disability | 317 | Jun 1, 2025 | $118,616 | $10,686 |
| DELTA DENTAL OF MICHIGAN | Dental | 206 | Jun 1, 2025 | $67,411 | $5,356 |
| EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | Vision | 178 | Jun 1, 2025 | $26,403 | $2,746 |
Premium and claims on these contracts
BLUE CARE NETWORK OF MICHIGAN, contract 179814. For the contract year on this filing, the carrier reported $911,246 in premium earned and $560,205 in claims incurred. Dividing one by the other gives 61%.
DELTA DENTAL OF MICHIGAN, contract 6490. For the contract year on this filing, the carrier reported $67,310 in premium earned and $47,598 in claims incurred. Dividing one by the other gives 71%.
- BLUE CARE NETWORK OF MICHIGAN, contract 179814 reported $204,712 in retention.
- DELTA DENTAL OF MICHIGAN, contract 6490 reported $14,108 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
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.
More employer plans in Michigan — largest plans, brokers, carriers and renewal months.