Form 5500 · Employee benefit plan · KALAMAZOO, MI
WESTERN MICHIGAN UNIVERSITY HOMER STRYKER M.D. SCHOOL OF MEDICINE
The filing calls this plan WESTERN MICHIGAN UNIVERSITY SCHOOL OF MEDICINE ERISA HEALTHCARE PLAN.
WESTERN MICHIGAN UNIVERSITY HOMER STRYKER M.D. SCHOOL OF MEDICINE of KALAMAZOO, MI is a 756-participant education employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is SUSAN L CULHANE. Coverage is written through BLUE CROSS BLUE SHIELD OF MICHIGAN and 3 other carriers. The plan's most recent policy period ended in June.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 45-4135256 · plan 512 · plan year 2025, filed Nov 7, 2025
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112 other employer plans in Michigan have policy years ending in June. 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
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 7 insured contracts covering health, dental, vision, life and disability; the largest, with BLUE CROSS BLUE SHIELD OF MICHIGAN, covers 1,126 people.
Reported premium across the insured contracts is $7,666,132, with $699,480 in disclosed broker commissions — about 9.1% of premium.
The most recent policy period ended in June, and the plan year ends June 30. Group contracts typically renew on that annual cycle.
SUSAN L CULHANE is the broker of record on 1 of the 7 contracts; the rest name a different broker or none.
4 carriers appear on the filing, including BLUE CROSS BLUE SHIELD OF MICHIGAN, UNITEDHEALTHCARE INSURANCE COMPANY, UNUM LIFE INSURANCE COMPANY OF AMERICA and EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO.. BLUE CROSS BLUE SHIELD OF MICHIGAN writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN | Health, Dental | 1,126 | Jul 1, 2025 | $6,755,274 | $599,290 |
| UNITEDHEALTHCARE INSURANCE COMPANY | Health | 134 | Jul 1, 2025 | $554,946 | $55,495 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life | 663 | Jul 1, 2025 | $179,191 | $26,879 |
| EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | Vision | 972 | Jul 1, 2025 | $61,510 | $5,047 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | — | 154 | Jul 1, 2025 | $24,644 | $4,934 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | — | 167 | Jul 1, 2025 | $22,035 | $4,408 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Disability | 658 | Jul 1, 2025 | $68,532 | $3,427 |
Premium and claims on this contract
BLUE CROSS BLUE SHIELD OF MICHIGAN, contract 252043. For the contract year on this filing, the carrier reported $6,755,274 in premium earned and $6,401,489 in claims incurred. Dividing one by the other gives 95%.
- BLUE CROSS BLUE SHIELD OF MICHIGAN, contract 252043 reported $1,564,070 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.
Administrator and service providers
The plan administrator is from line 3a of the main form. We publish company names only.
Reported to OSHA
Reported to OSHA for 2025: 1,008 employees, 54 recordable cases, 14 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
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