Form 5500 · Employee benefit plan · SHERIDAN, MI
WRIGHT PLASTIC PRODUCTS, LLC
The filing calls this plan WRIGHT PLASTIC PRODUCTS COMPANY LLC PREMIUM CONVERSION PLAN.
WRIGHT PLASTIC PRODUCTS, LLC of SHERIDAN, MI spreads its employee benefits across 5 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is JOHN F O'CONNOR. Coverage is written through BLUE CROSS BLUE SHIELD OF MICHIGAN and 4 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 34-1843009 · plan 501 · plan year 2025, filed Jun 2, 2026
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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: 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 5 insured contracts covering health, dental, vision, life and disability; the largest, with BLUE CROSS BLUE SHIELD OF MICHIGAN, covers 177 people.
Reported premium across the insured contracts is $1,561,769, with $54,900 in disclosed broker commissions — about 3.5% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
JOHN F O'CONNOR is the broker of record on 1 of the 5 contracts; the rest name a different broker or none.
5 carriers appear on the filing, including BLUE CROSS BLUE SHIELD OF MICHIGAN, THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA, DELTA DENTAL OF MICHIGAN and BLUECROSS BLUESHIELD OF TENNESSEE, INC.. 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 | 177 | Jan 1, 2026 | $1,404,827 | $41,695 |
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Vision, Life, Disability | 148 | Jan 1, 2026 | $73,081 | $7,378 |
| DELTA DENTAL OF MICHIGAN | Dental | 148 | Jan 1, 2026 | $59,680 | $2,710 |
| CONTINENTAL AMERICAN INSURANCE COMPANY | — | 22 | Jan 1, 2026 | $10,898 | $1,672 |
| BLUECROSS BLUESHIELD OF TENNESSEE, INC. | Dental | 43 | Jan 1, 2026 | $13,283 | $1,445 |
Premium and claims on these contracts
BLUE CROSS BLUE SHIELD OF MICHIGAN, contract 224051. For the contract year on this filing, the carrier reported $1,404,827 in premium earned and $1,238,273 in claims incurred. Dividing one by the other gives 88%.
DELTA DENTAL OF MICHIGAN, contract 0003367. For the contract year on this filing, the carrier reported $59,680 in premium earned and $41,034 in claims incurred. Dividing one by the other gives 69%.
- BLUE CROSS BLUE SHIELD OF MICHIGAN, contract 224051 reported $310,208 in retention.
- DELTA DENTAL OF MICHIGAN, contract 0003367 reported $11,489 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: 151 employees, 7 recordable cases, 154 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
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