DTE Energy Corporate Services, LLC
Overview
DTE Energy Corporate Services, LLC sponsors a self-funded health plan that covered 23,251 participants in plan year 2025, about the same as 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
- 23,251 · prior year 23,318
- Plan year
- Begins January 1 · next renewal January 2027
- Health plans filed
- DTE Energy Company Comprehensive Non-Health Welfare Benefit Plan, plan 523 (23,251 participants); DTE Energy Retiree Reimbursement Arrangement Plan, plan 528 (5,448 participants); DTE Supplemental Retiree Benefit Plan, plan 527 (4,600 participants)
- Broker compensation
- $71K 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 |
|---|---|---|---|---|
| Blue Care Network of Michigan | Medical, Prescription drug, Vision, HMO | 6,096 | $48.1M | $33K |
| Metropolitan Life Insurance Company | Life, Business Travel Accident | 42,662 | $17.1M | $48 |
| Health Alliance Plan | Medical, HMO | 1,624 | $16.1M | — |
| Priority Health | Medical, Prescription drug, HMO | 596 | $5.7M | — |
| Humana Insurance Company | Medical, PPO | 2,935 | $2.7M | — |
| Lincoln National Life Insurance Company | Long-term disability | 9,030 | $2.4M | $37K |
| Prudential Insurance Company of America | Trust Owned Life Insurance | 1,209 | $317K | — |
| Aetna Life Insurance Company | Medical, Prescription drug, PPO | 125 | $193K | — |
| Delta Dental of Michigan | Dental, PPO | 99 | $29K | — |
Pharmacy benefit estimate
StreamRX estimate for a plan this size. Not based on this plan's claims.
Estimated prescription spend: 23,251 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
- DTE Energy Corporate Services, LLC
- Sponsor EIN
- 20-5898509
- Plan numbers
- 523, 528, 527
- Filed with
- U.S. Department of Labor (EBSA) via EFAST2
Verify this filing: search EIN 20-5898509 in the Department of Labor's EFAST2 Form 5500 search.
Retirement plan
- Plan
- DTE Energy Company Retirement Plan
- Type
- Pension plan
- Participants
- 13,899
About this data
Source: DTE Energy Corporate Services, LLC'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 DTE Energy Corporate Services, LLC.