Form 5500 · Employee benefit plan · LAKE ORION, MI
THE COMPLETE COMPANIES
The filing calls this plan THE COMPLETE COMPANIES EMPLOYEE BENEFITS PLAN.
THE COMPLETE COMPANIES of LAKE ORION, MI spreads its employee benefits across 3 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is BROWN & BROWN INSURANCE SERVICE. Coverage is written through STARMOUNT LIFE INSURANCE COMPANY and 2 other carriers. The plan's most recent policy period ended in August.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 38-2803878 · plan 501 · plan year 2025, filed Feb 25, 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, 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 3 insured contracts covering health, dental, vision, life and disability; the largest, with STARMOUNT LIFE INSURANCE COMPANY, covers 90 people.
Reported premium across the insured contracts is $164,274, with $13,242 in disclosed broker commissions — about 8.1% of premium.
The most recent policy period ended in August, and the plan year ends August 31. Group contracts typically renew on that annual cycle.
BROWN & BROWN INSURANCE SERVICE is the broker of record on 2 of the 3 contracts; the rest name a different broker or none.
3 carriers appear on the filing, including STARMOUNT LIFE INSURANCE COMPANY, UNUM LIFE INSURANCE COMPANY OF AMERICA and PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY. STARMOUNT LIFE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Health, Life, Disability | 156 | Sep 1, 2025 | $65,061 | $7,316 |
| STARMOUNT LIFE INSURANCE COMPANY | Dental, Vision | 90 | Sep 1, 2025 | $79,006 | $4,549 |
| PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | Life | 33 | Sep 1, 2025 | $20,207 | $1,377 |
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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