Form 5500 · Employee benefit plan · UTICA, MI
THE ROMINE GROUP
THE ROMINE GROUP of UTICA, MI files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is MFC BENEFITS LLC. Coverage is written through AETNA LIFE INSURANCE COMPANY and 1 other carrier. The plan's most recent policy period ended in August.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 32-0015643 · plan 501 · plan year 2024, filed Oct 15, 2025
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88 other employer plans in Michigan have policy years ending in August. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Self-funded as reported
The filing reports a stop-loss contract and no medical premium, which is what a plan that pays its own claims reports.
A stop-loss policy appears on a Form 5500 only when the plan itself is the beneficiary, or the premiums are paid from plan money. Many employers buy stop-loss and never report it here. So a plan with no stop-loss on its filing may still have it.
Benefits declared on this filing
One contract on this filing does not say which benefits it covers, so a line above may be insured by it.
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 12 insured contracts covering dental, vision, life, disability and stop-loss; the largest, with AETNA LIFE INSURANCE COMPANY, covers 565 people.
The filing declares life, disability and health. Health 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 the contract here that does not say what it covers.
The only insured piece of the health benefit is stop-loss coverage, and the filing reports the plan paying its own claims. The stop-loss contract reports $742,442 in premium and $0 in commission. The rest of the premium and commission above is on the plan's other insured lines, and none of it is medical premium.
Reported premium across the insured contracts is $1,781,136, with $52,966 in disclosed broker commissions — about 3% of premium.
The most recent policy period ended in August, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Life | 288 | Sep 1, 2024 | $70,442 | $10,566 |
| AETNA LIFE INSURANCE COMPANY | Vision | 1,100 | Sep 1, 2024 | $91,861 | $9,108 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Dental | 533 | Sep 1, 2024 | $338,196 | $7,160 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | — | 660 | Sep 1, 2024 | $255,707 | $6,529 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Life | 660 | Sep 1, 2024 | $86,768 | $4,919 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Disability | 660 | Sep 1, 2024 | $88,771 | $4,888 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Disability | 85 | Sep 1, 2024 | $33,399 | $3,214 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Dental | 69 | Sep 1, 2024 | $41,082 | $2,277 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Disability | 85 | Sep 1, 2024 | $11,587 | $1,738 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Life | 39 | Sep 1, 2024 | $9,577 | $1,437 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Life | 85 | Sep 1, 2024 | $11,304 | $1,130 |
| AETNA LIFE INSURANCE COMPANY | Stop-loss | 565 | Sep 1, 2024 | $742,442 | $0 |
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.
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