Form 5500 · Employee benefit plan · DETROIT, MI
THREE PILLARS ANEW
The filing calls this plan THREE PILLARS ANEW DBA CORNERSTONE EDUCATION HEALTH & WELFARE BENEFITS PLAN.
Public Form 5500 records show how THREE PILLARS ANEW of DETROIT, MI, a education employer, structures its employee benefits. Its broker of record is EUGENE F. LOVASCO. Coverage is written through BLUE CARE NETWORK OF MICHIGAN and 3 other carriers. The plan's most recent policy period ended in September.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 85-1249057 · plan 501 · plan year 2025, filed Apr 16, 2026
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84 other employer plans in Michigan have policy years ending in September. 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 4 insured contracts covering health, dental, vision, life and disability; the largest, with BLUE CARE NETWORK OF MICHIGAN, covers 304 people.
Reported premium across the insured contracts is $2,891,710, with $107,049 in disclosed broker commissions — about 3.7% of premium.
The most recent policy period ended in September, and the plan year ends September 30. Group contracts typically renew on that annual cycle.
EUGENE F. LOVASCO is the broker of record on 2 of the 4 contracts; the rest name a different broker or none.
4 carriers appear on the filing, including BLUE CARE NETWORK OF MICHIGAN, BLUE CROSS BLUE SHIELD OF MICHIGAN, HARTFORD LIFE AND ACCIDENT and DELTA DENTAL OF MICHIGAN. 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 | 304 | Oct 1, 2025 | $2,134,139 | $62,703 |
| HARTFORD LIFE AND ACCIDENT | Health, Life, Disability | 266 | Oct 1, 2025 | $266,020 | $18,650 |
| DELTA DENTAL OF MICHIGAN | Health, Dental | 371 | Oct 1, 2025 | $150,762 | $15,045 |
| BLUE CROSS BLUE SHIELD OF MICHIGAN | Health, Vision | 352 | Oct 1, 2025 | $340,789 | $10,651 |
Premium and claims on these contracts
BLUE CARE NETWORK OF MICHIGAN, contract 278971. For the contract year on this filing, the carrier reported $2,134,139 in premium earned and $1,376,190 in claims incurred. Dividing one by the other gives 64%.
DELTA DENTAL OF MICHIGAN, contract 11546. For the contract year on this filing, the carrier reported $150,644 in premium earned and $135,640 in claims incurred. Dividing one by the other gives 90%.
BLUE CROSS BLUE SHIELD OF MICHIGAN, contract 278971. For the contract year on this filing, the carrier reported $340,789 in premium earned and $365,125 in claims incurred. Dividing one by the other gives 107%.
- BLUE CARE NETWORK OF MICHIGAN, contract 278971 reported $560,448 in retention.
- DELTA DENTAL OF MICHIGAN, contract 11546 reported $31,017 in retention.
- BLUE CROSS BLUE SHIELD OF MICHIGAN, contract 278971 reported $88,969 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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