Form 5500 · Employee benefit plan · FARWELL, MI
THE PEPLINSKI GROUP, INC.
The filing calls this plan THE PEPLINSKI GROUP, INC. WELFARE BENEFITS PLAN.
THE PEPLINSKI GROUP, INC. of FARWELL, MI is a 709-participant health care and social assistance employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is MCLAUGHLAN, REBECCA. Coverage is written through PRIORITY HEALTH INSURANCE COMPANY and 6 other carriers. The plan's most recent policy period ended in May.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 38-3561614 · plan 501 · plan year 2025, filed Oct 17, 2025
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110 other employer plans in Michigan have policy years ending in May. 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
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 11 insured contracts covering health, dental, vision, life and disability; the largest, with PRIORITY HEALTH INSURANCE COMPANY, covers 655 people.
Reported premium across the insured contracts is $5,169,610, with $99,030 in disclosed broker commissions — about 1.9% 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.
MCLAUGHLAN, REBECCA is the broker of record on 2 of the 11 contracts; the rest name a different broker or none.
7 carriers appear on the filing, including PRIORITY HEALTH INSURANCE COMPANY, PRIORITY HEALTH, DELTA DENTAL OF MICHIGAN and LIFE INSURANCE COMPANY OF NORTH AMERICA. PRIORITY HEALTH INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| PRIORITY HEALTH INSURANCE COMPANY | Health | 655 | Jun 1, 2025 | $4,109,338 | $61,640 |
| DELTA DENTAL OF MICHIGAN | Dental | 832 | Jun 1, 2025 | $283,709 | $11,495 |
| UNUM INSURANCE COMPANY | — | 179 | Jun 1, 2025 | $47,166 | $8,516 |
| UNUM INSURANCE COMPANY | — | 200 | Jun 1, 2025 | $45,698 | $7,823 |
| PRIORITY HEALTH | Health | 48 | Jun 1, 2025 | $376,485 | $5,254 |
| VISION SERVICE PLAN | Vision | 429 | Jun 1, 2025 | $57,444 | $2,154 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Disability | 251 | Jun 1, 2025 | $143,493 | $1,152 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Life | 695 | Jun 1, 2025 | $78,171 | $675 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Disability | 47 | Jun 1, 2025 | $19,126 | $195 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | — | 695 | Jun 1, 2025 | $8,786 | $81 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | — | 1 | Jun 1, 2025 | $194 | $45 |
Premium and claims on these contracts
DELTA DENTAL OF MICHIGAN, contract 11407. For the contract year on this filing, the carrier reported $283,709 in premium earned and $259,835 in claims incurred. Dividing one by the other gives 92%.
VISION SERVICE PLAN, contract 40148391. For the contract year on this filing, the carrier reported $57,444 in premium earned and $45,666 in claims incurred. Dividing one by the other gives 79%.
- DELTA DENTAL OF MICHIGAN, contract 11407 reported $29,960 in retention.
- VISION SERVICE PLAN, contract 40148391 reported $13,643 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
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Renewal calendar
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