| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCOTT SETTLE3 | 4000 TOWN CENTER DRIVE, SUITE 8 SOUTHFIELD, MI 48075 | BLUE CARE NETWORK OF MICHIGAN | $11K | $0 | $11K | 3.24% |
| CARRIE A. FARNUM3 | PO BOX 62899 VIRGINIA BEACH, VA 23466 | BLUE CARE NETWORK OF MICHIGAN | $5K | $0 | $5K | 1.49% |
| ACTION BENEFITS COMPANY3 | 25800 NORTHWESTERN HIGHWAY, SUITE 6 SOUTHFIELD, MI 48075 | BLUE CARE NETWORK OF MICHIGAN | $3K | $0 | $3K | 0.95% |
| SCOTT SETTLE3 | 4000 TOWN CENTER DRIVE, SUITE 8 SOUTHFIELD, MI 48075 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $7K | $0 | $7K | 3.83% |
| CARRIE A. FARNUM3 | PO BOX 62899 VIRGINIA BEACH, VA 23466 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $3K | $0 | $3K | 1.37% |
| ACTION BENEFITS COMPANY3 | 25800 NORTHWESTERN HIGHWAY, SUITE 6 SOUTHFIELD, MI 48075 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $2K | $0 | $2K | 1.03% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $24K | $3K | $26K | 16.26% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $3K | $11K | 6.96% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $9K | $9K | 5.28% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $6 | $6 | 0.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METLIFE LEGAL PLANS | $881 | $0 | $881 | 18.24% |
| USI INSURANCE SERVICES LLC3 | 333 BRIDGE STREET NW, SUITE 400 GRAND RAPIDS, MI 49504 | METLIFE LEGAL PLANS | $484 | $0 | $484 | 10.02% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 78766 | METLIFE LEGAL PLANS | $0 | $242 | $242 | 5.01% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 140 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 58 | $520K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 140 | $163K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 140 | $163K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 140 | $163K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 140 | $163K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 140 | $163K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 58 | $520K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 140 | $168K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.