Consumers Energy Company and Other CMS Companies
Overview
Consumers Energy Company and Other CMS Companies sponsors a self-funded health plan that covered 9,799 participants in plan year 2025, down 7% from the prior year. The plan year starts in January. Alongside medical, its benefits filing reports life insurance, dental, vision, long-term disability, and more.
- Plan type
- ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
- Participants
- 9,799 · prior year 10,500
- Plan year
- Begins January 1 · next renewal January 2027
- Health plans filed
- Group Medical Plan for Active Employees, plan 518 (9,799 participants); Group Health Care Plan for Retired Employees, plan 510 (2,111 participants)
- Broker compensation
- $453K across insured contracts
Insurance carriers
Insured coverage reported on Schedule A. Self-funded medical claims aren't reported there.
| Carrier | Coverage | Covered | Premium | Broker comp |
|---|---|---|---|---|
| Metropolitan Life Insurance Company | Life, Critical Illness, Accident, Hospital | 9,610 | $8.5M | $453K |
| Life Insurance Company of North America | Long-term disability, Voluntary Long Term Disability | 4,676 | $1.8M | — |
| Spring Health | Employee Assistance Program | 2,785 | $1.6M | — |
Pharmacy benefit estimate
StreamRX estimate for a plan this size. Not based on this plan's claims.
Estimated prescription spend: 9,799 participants × $2,371 national average per member. Usually higher once dependents are counted.
Typical savings opportunity found in independent reviews of plans this size.
Form 5500 filing details
- Filing
- Form 5500 with Schedule A, plan year 2025
- Plan sponsor
- Consumers Energy Company and Other CMS Companies
- Sponsor EIN
- 38-0442310
- Plan numbers
- 518, 510
- Filed with
- U.S. Department of Labor (EBSA) via EFAST2
Verify this filing: search EIN 38-0442310 in the Department of Labor's EFAST2 Form 5500 search.
Retirement plan
- Plan
- Consumers Energy Company Employees' Savings Plan
- Type
- 401(k) plan
- Participants
- 27,258
About this data
Source: Consumers Energy Company and Other CMS Companies's Form 5500 filing for plan year 2025 and its Schedule A insurance reports, published by the U.S. Department of Labor. "Self-funded" means the filing reports benefits paid from employer assets or a trust, with no medical insurance contract or with a stop-loss contract. Pharmacy figures are StreamRX estimates based on national averages. StreamRX is not affiliated with Consumers Energy Company and Other CMS Companies.