Plan Ledger DOL Form 5500 · updated monthly

Lifecare, Inc. D/B/A Friendship Villagebenefits

Lifecare, Inc. D/B/A Friendship Village Health Plan · KALAMAZOO, MI · plan year 2025

Broker compensation reported · 2025
$216,959

Lifecare, Inc. D/B/A Friendship Village's benefits plans covered 211 active participants in 2025, providing health · life · dental · vision · short-term disability. Insurance premiums totaled $269,969. Insurance brokers and agents were paid $216,959 in commissions and fees, costs that ultimately come out of what the employer and employees pay for coverage. That works out to 80.4% of premiums. That is $1,028 per covered person, in the top 10% of employer plans that report broker pay. Brokers were paid 13.6x the $15,973 reported for 2024.

Insurance contracts · 202559
STANDARD INSURANCE COMPANY · dental$71K · 136 covered
STANDARD INSURANCE COMPANY · dental$59K · 133 covered
STANDARD INSURANCE COMPANY · std$47K · 181 covered
STANDARD INSURANCE COMPANY · std$46K · 186 covered
STANDARD INSURANCE COMPANY · life$13K · 186 covered
STANDARD INSURANCE COMPANY · life$13K · 181 covered
STANDARD INSURANCE COMPANY · vision$11K · 135 covered
STANDARD INSURANCE COMPANY · vision$10K · 128 covered
PRIORITY HEALTH · healthpremiums n/a · 212 covered
PRIORITY HEALTH · healthpremiums n/a · 219 covered
UNITEDHEALTHCARE INSURANCE COMPANY · life stdpremiums n/a · 191 covered
UNITEDHEALTHCARE INSURANCE COMPANY · health dental visionpremiums n/a · 441 covered
PRIORITY HEALTH · healthpremiums n/a · 256 covered
UNITEDHEALTHCARE INSURANCE COMPANY · life stdpremiums n/a · 198 covered
UNITEDHEALTHCARE INSURANCE COMPANY · health dental visionpremiums n/a · 269 covered
UNITEDHEALTHCARE INSURANCE COMPANY · life stdpremiums n/a · 192 covered
UNITEDHEALTHCARE INSURANCE COMPANY · health dental visionpremiums n/a · 259 covered
UNITEDHEALTHCARE INSURANCE COMPANY · life stdpremiums n/a · 181 covered
UNITEDHEALTHCARE INSURANCE COMPANY · health dental visionpremiums n/a · 241 covered
UNITEDHEALTHCARE INSURANCE COMPANY · life stdpremiums n/a · 164 covered
UNITEDHEALTHCARE INSURANCE COMPANY · health dental visionpremiums n/a · 248 covered
BLUE CROSS BLUE SHIELD OF MICHIGAN · health visionpremiums n/a · 138 covered
METROPOLITAN LIFE INSURANCE COMPANY · dentalpremiums n/a · 138 covered
UNITEDHEALTHCARE INSURANCE COMPANY · life stdpremiums n/a · 159 covered
UNITEDHEALTHCARE INSURANCE COMPANY · health dental visionpremiums n/a · 228 covered
UNITEDHEALTHCARE INSURANCE COMPANY · life stdpremiums n/a · 157 covered
UNITEDHEALTHCARE INSURANCE COMPANY · health dental visionpremiums n/a · 230 covered
PRINCIPAL LIFE INSURANCE COMPANY · dental life stdpremiums n/a · 146 covered
BLUE CARE NETWORK OF MICHIGAN · health visionpremiums n/a · 105 covered
PRINCIPAL LIFE INSURANCE COMPANY · dental life stdpremiums n/a · 143 covered
BLUE CARE NETWORK OF MICHIGAN · health visionpremiums n/a · 106 covered
BLUE CROSS BLUE SHIELD OF MICHIGAN · health visionpremiums n/a · 153 covered
PRINCIPAL LIFE INSURANCE COMPANY · dental life stdpremiums n/a · 153 covered
BLUE CARE NETWORK OF MICHIGAN · healthpremiums n/a · 153 covered
BLUE CROSS BLUE SHIELD OF MICHIGAN · health visionpremiums n/a · 149 covered
PRINCIPAL LIFE INSURANCE COMPANY · dental life stdpremiums n/a · 149 covered
BLUE CROSS BLUE SHIELD OF MICHIGAN · health visionpremiums n/a · 153 covered
PRINCIPAL LIFE INSURANCE COMPANY · dental life stdpremiums n/a · 153 covered
BLUE CROSS BLUE SHIELD OF MICHIGAN · health visionpremiums n/a · 112 covered
PRINCIPAL LIFE INSURANCE COMPANY · dental life stdpremiums n/a · 149 covered
BLUE CROSS BLUE SHIELD OF MICHIGAN · health visionpremiums n/a · 149 covered
PRINCIPAL LIFE INSURANCE COMPANY · dental life stdpremiums n/a · 149 covered
BLUE CROSS BLUE SHIELD OF MICHIGAN · health visionpremiums n/a · 142 covered
METROPOLITAN LIFE INSURANCE COMPANY · dentalpremiums n/a · 142 covered
STANDARD INSURANCE COMPANY · life stdpremiums n/a · 142 covered
PRINCIPAL LIFE INSURANCE COMPANY · dentalpremiums n/a · 142 covered
BLUE CROSS BLUE SHIELD OF MICHIGAN · health visionpremiums n/a · 92 covered
METROPOLITAN LIFE INSURANCE COMPANY · dentalpremiums n/a · 89 covered
STANDARD INSURANCE COMPANY · life stdpremiums n/a · 142 covered
BLUE CROSS BLUE SHIELD OF MICHIGAN · health visionpremiums n/a · 131 covered
METROPOLITAN LIFE INSURANCE COMPANY · dentalpremiums n/a · 131 covered
STANDARD INSURANCE COMPANY · life stdpremiums n/a · 131 covered
BLUE CROSS BLUE SHIELD OF MICHIGAN · health visionpremiums n/a · 125 covered
METROPOLITAN LIFE INSURANCE COMPANY · dentalpremiums n/a · 125 covered
STANDARD INSURANCE COMPANY · life stdpremiums n/a · 125 covered
BLUE CROSS BLUE SHIELD OF MICHIGAN · health visionpremiums n/a · 130 covered
METROPOLITAN LIFE INSURANCE COMPANY · dentalpremiums n/a · 130 covered
STANDARD INSURANCE COMPANY · life stdpremiums n/a · 130 covered
EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA · dental vision life std ppopremiums n/a · 198 covered
Brokers & agents paid · 20254
SUSAN CULHANE$131,188
CENTRO BENEFITS RESEARCH$7,033 · incl $7,033 fees
THE NULTY AGENCY$4,967
NULTY AGENCY INC$73,771 · incl $45,984 fees
Also brokered by Susan Culhane1

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Source: DOL Form 5500 Schedule A, plan year 2025, EIN 382067110 · Verify on EFAST2 · Amounts are as reported by the plan sponsor.