Who We Are BCT is a Michigan-based third party administrator offering a Supplemental Unemployment Benefit (SUB) plan to contractors nationwide. What We Believe BCT was founded by a contractor who firmly believed that prevailing wage laws do not have to be a hindrance to success. Seeing first-hand how prevailing wage policies were dictating profits and discouraging qualified contractors from taking on good projects, he discovered that contractors needed to take a proactive approach -- the SUB plan. Adopting a SUB plan allows contractors to place more competitive bids on government contracts. This makes it possible to save money, make money, and still be in full compliance with all applicable laws. Why Choose Us BCT takes great pride in the services we offer contractors in order to help them build a adaptive construction benefits program. Our supplemental unemployment plan creates cost savings for our clients which will ultimately result in more competitive bidding on government contracts, and a higher earning potential on prevailing wage jobs.