Frankenmuth Insurance Company
Overview
Frankenmuth Insurance Company sponsors a self-funded health plan that covered 1,037 participants in plan year 2025, up 3% from the prior year. The plan year starts in January. Alongside medical, its benefits filing reports life insurance, dental, vision, prepaid legal, and more.
- Plan type
- ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
- Participants
- 1,037 · prior year 1,012
- Plan year
- Begins January 1 · next renewal January 2027
- Health plans filed
- Frankenmuth Insurance Health & Welfare Plan, plan 515 (1,037 participants)
- Stop-loss carrier
- Blue Cross Blue Shield of Michigan
- Broker compensation
- $156K 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 |
|---|---|---|---|---|
| Sunlife Assurance Company of Canada | Life, Long-term disability | 913 | $777K | $94K |
| Delta Dental of Michigan | Dental | 1,680 | $696K | $9K |
| Vision Service Plan | Vision | 675 | $146K | $3K |
| Pre-Paid Legal Services Inc. DBA Legalshield | Legal Service Plan Memberships, Legal Services Plan Memberships | 307 | $75K | $13K |
| Blue Cross Blue Shield of Michigan | Medical, PPO, Stop-loss | 788 | — | $37K |
| CVS Caremark | Prescription drug | 787 | — | — |
Pharmacy benefit estimate
StreamRX estimate for a plan this size. Not based on this plan's claims.
Estimated prescription spend: 1,037 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
- Frankenmuth Insurance Company
- Sponsor EIN
- 38-0555290
- Plan number
- 515
- Filed with
- U.S. Department of Labor (EBSA) via EFAST2
Verify this filing: search EIN 38-0555290 in the Department of Labor's EFAST2 Form 5500 search.
Retirement plan
- Plan
- Frankenmuth Insurance 401(k) Savings Plan
- Type
- 401(k) plan
- Participants
- 1,096
About this data
Source: Frankenmuth Insurance Company'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 Frankenmuth Insurance Company.