NWS Michigan, LLC
Overview
NWS Michigan, LLC sponsors a self-funded health plan that covered 510 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
- 510 · prior year 510
- Plan year
- Begins January 1 · next renewal January 2027
- Health plans filed
- NWS Michigan, LLC Welfare Benefit Plan, plan 501 (510 participants)
- Broker compensation
- $6K 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 |
|---|---|---|---|---|
| Hartford Life and Accident | Life, Long-term disability | 483 | $145K | $5K |
| United Healthcare Insurance Company | Vision | 50 | $12K | $1K |
Pharmacy benefit estimate
StreamRX estimate for a plan this size. Not based on this plan's claims.
Estimated prescription spend: 510 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
- NWS Michigan, LLC
- Sponsor EIN
- 38-3319025
- Plan number
- 501
- Filed with
- U.S. Department of Labor (EBSA) via EFAST2
Verify this filing: search EIN 38-3319025 in the Department of Labor's EFAST2 Form 5500 search.
About this data
Source: NWS Michigan, 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 NWS Michigan, LLC.