Michigan Sugar Company
Overview
Michigan Sugar Company sponsors a self-funded health plan that covered 1,647 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, short-term disability, and more.
- Plan type
- ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
- Participants
- 1,647 · prior year 1,633
- Plan year
- Begins January 1 · next renewal January 2027
- Health plans filed
- Michigan Sugar Company Welfare Benefit Plan, plan 505 (1,647 participants); Michigan Sugar Company Health Benefit Plan, plan 502 (673 participants)
- Stop-loss carrier
- Ardellis
- Broker compensation
- $363K 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 |
|---|---|---|---|---|
| Benistar | Medical, Prescription drug | 226 | $1.8M | $83K |
| Standard Insurance Company | Life, Short-term disability, Long-term disability | 1,635 | $1.2M | $83K |
| Delta Dental of Michigan | Dental | 1,946 | $1.1M | $22K |
| Hartford Life and Accident Insurance Co. | Life, Short-term disability, Long-term disability | 1,051 | $884K | $74K |
| Express Scripts, Inc. | Prescription drug | 254 | $842K | $15K |
| Hartford Life & Accident Insurance Company | Medical | 270 | $775K | $53K |
| Ardellis | Medical, Stop-loss | 704 | $732K | $26K |
| Vision Service Plan | Vision | 211 | $77K | $5K |
| New Directions Behavioral Health | Employee Assistance Program | 1,647 | $43K | — |
| Hartford Life and Accident | Business Travel Accident | 1,647 | $3K | $513 |
| Hartford Life and Accident Insurance Company | Business Travel Accident | 174 | $3K | $489 |
Pharmacy benefit estimate
StreamRX estimate for a plan this size. Not based on this plan's claims.
Estimated prescription spend: 1,647 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
- Michigan Sugar Company
- Sponsor EIN
- 38-3561416
- Plan numbers
- 505, 502
- Filed with
- U.S. Department of Labor (EBSA) via EFAST2
Verify this filing: search EIN 38-3561416 in the Department of Labor's EFAST2 Form 5500 search.
Retirement plan
- Plan
- Michigan Sugar Company 401(k) Savings Plan
- Type
- 401(k) plan
- Participants
- 1,490
About this data
Source: Michigan Sugar 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 Michigan Sugar Company.