Form 5500 · Employee benefit plan · DETROIT, MI
WAYNE-METROPOLITAN COMMUNITY ACTION AGENCY
The filing calls this plan WAYNE-METROPOLITAN COMMUNITY ACTION AGENCY WELFARE BENEFITS PLAN.
WAYNE-METROPOLITAN COMMUNITY ACTION AGENCY of DETROIT, MI is a 826-participant health care and social assistance employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is MELISSA ARMATIS. Coverage is written through PRIORITY HEALTH and 5 other carriers. The plan's most recent policy period ended in September.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 38-1976979 · plan 501 · plan year 2025, filed Mar 10, 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.
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 6 insured contracts covering health, dental, vision, life and disability; the largest, with PRIORITY HEALTH, covers 644 people.
Reported premium across the insured contracts is $7,460,785, with $265,218 in disclosed broker commissions — about 3.6% 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.
MELISSA ARMATIS is the broker of record on 4 of the 6 contracts; the rest name a different broker or none.
6 carriers appear on the filing, including PRIORITY HEALTH, BLUE CROSS BLUE SHIELD OF MICHIGAN, BLUE CARE NETWORK OF MICHIGAN and DELTA DENTAL OF MICHIGAN. PRIORITY HEALTH writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| PRIORITY HEALTH | Health, Vision | 644 | Oct 1, 2025 | $3,798,640 | $113,959 |
| BLUE CROSS BLUE SHIELD OF MICHIGAN | Health, Vision | 187 | Oct 1, 2025 | $2,017,245 | $53,704 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Life, Disability | 677 | Oct 1, 2025 | $267,869 | $40,181 |
| BLUE CARE NETWORK OF MICHIGAN | Health, Vision | 120 | Oct 1, 2025 | $953,230 | $28,487 |
| DELTA DENTAL OF MICHIGAN | Dental | 1,095 | Oct 1, 2025 | $383,256 | $26,860 |
| PRIORITY HEALTH INSURANCE COMPANY | Health, Vision | 644 | Oct 1, 2025 | $40,545 | $2,027 |
Premium and claims on these contracts
BLUE CROSS BLUE SHIELD OF MICHIGAN, contract 159676. For the contract year on this filing, the carrier reported $2,017,245 in premium earned and $2,003,025 in claims incurred. Dividing one by the other gives 99%.
BLUE CARE NETWORK OF MICHIGAN, contract 159676. For the contract year on this filing, the carrier reported $953,230 in premium earned and $811,835 in claims incurred. Dividing one by the other gives 85%.
DELTA DENTAL OF MICHIGAN, contract 3572. For the contract year on this filing, the carrier reported $383,256 in premium earned and $321,100 in claims incurred. Dividing one by the other gives 84%.
- BLUE CROSS BLUE SHIELD OF MICHIGAN, contract 159676 reported $414,071 in retention.
- BLUE CARE NETWORK OF MICHIGAN, contract 159676 reported $199,145 in retention.
- DELTA DENTAL OF MICHIGAN, contract 3572 reported $59,558 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.
Reported to OSHA
Reported to OSHA for 2025: 8 employees, 0 recordable cases, 0 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
10 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
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