Form 5500 · Employee benefit plan · FENTON, MI
THE CARSWELL GROUP, INC.
The filing calls this plan INDEPENDENT MANAGEMENT SERVICES EMPLOYEE BENEFITS PLAN.
THE CARSWELL GROUP, INC. of FENTON, MI files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is BROWN & BROWN INSURANCE SVCS, INC.. Coverage is written through PRIORITY HEALTH and 2 other carriers. The plan's most recent policy period ended in July.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 38-2888423 · plan 502 · plan year 2025, filed Dec 18, 2025
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76 other employer plans in Michigan have policy years ending in July. 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
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 PRIORITY HEALTH, covers 332 people.
Reported premium across the insured contracts is $2,333,927, with $115,217 in disclosed broker commissions — about 4.9% of premium.
The most recent policy period ended in July, and the plan year ends July 31. Group contracts typically renew on that annual cycle.
BROWN & BROWN INSURANCE SVCS, INC. is the broker of record on 1 of the 3 contracts; the rest name a different broker or none.
3 carriers appear on the filing, including PRIORITY HEALTH, THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA and PRIORITY HEALTH INSURANCE COMPANY. PRIORITY HEALTH writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Dental, Vision, Life, Disability | 348 | Aug 1, 2025 | $341,700 | $64,551 |
| PRIORITY HEALTH | Health | 332 | Aug 1, 2025 | $1,963,704 | $49,953 |
| PRIORITY HEALTH INSURANCE COMPANY | Health | 4 | Aug 1, 2025 | $28,523 | $713 |
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.
Reported to OSHA
Reported to OSHA for 2025: 369 employees, 13 recordable cases, 100 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
13 establishments filed under this EIN are left out of these figures: the hours and employees they reported could not both be right.
Other plans filed by this employer
How this plan compares
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Renewal calendar
76 other employer plans in Michigan are August 1 renewals (policy year ends July).
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