| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID N SOKOL3 | 901 WILSHIRE DRIVE SUITE 330 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $11K | $26K | $36K | 11.90% |
| ROBERT A KELLEHER3 Filed as: ROBERT B ARTINIAN | 901 WILSHIRE DRIVE SUITE 330 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $3K | $14K | $17K | 5.70% |
| WILSHIRE BENEFITS GROUP INC3 | 901 WILSHIRE DRIVE SUITE 300 TROY, MI 48084 | GUARDIAN | $9K | — | $9K | 5.21% |
| WILSHIRE BENEFITS GROUP INC3 | 901 WILSHIRE DR SUITE 330 TROY, MI 48084 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19K | — | $19K | 16.33% |
| JEFFREY EMERY3 Filed as: JEFFREY S EMERY | 34 N HOWELL ST HILLSDALE, MI 49242 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14K | — | $14K | 12.08% |
| JACQUELYN A SULLIVAN3 | P.O. BOX 99 JONESVILLE, MI 49250 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 8.13% |
| KARIE L HOOTMAN3 | P.O. BOX 99 JONESVILLE, MI 49250 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 6.46% |
| MICHAEL L TRUDEAU3 | 30078 SCHOENHERR RD SUITE 200 WARREN, MI 48093 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 5.31% |
| RENEE M TRUDEAU3 | 30229 SCHOENHERR ROAD SUITE 100 WARREN, MI 48080 | CONTINENTAL AMERICAN INSURANCE COMPANY | $757 | — | $757 | 0.66% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 NONE | Claims processing; Float revenue; Other fees; Contract Administrator; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Insurance services Service code 12 | — | $157K |
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 | 210 | 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) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 210 | $176K |
| Vision | GUARDIAN | 210 | $176K |
| Life insurance | GUARDIAN | 210 | $176K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 169 | $114K |
| Long-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 169 | $114K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 190 | $306K |
| Other | GUARDIAN | 210 | $176K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.