| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAULA HOWARD3 | 1400 E. MICHIGAN AVE LANSING, MI 48912 | PHYSICIANS HEALTH PLAN | $5K | — | $5K | 0.06% |
| PAVEZ INSURANCE AGENCY3 | 2275 SOUTH MAIN ST, SUITE 101 CORONA, CA 928825303 | KAISER FOUNDATION HEALTH PLAN INC. | $87K | — | $87K | 3.07% |
| ROBERT L. HUGHES3 Filed as: ROBERT LINHART HUGHES | 89 MONROE CENTER ST NW, SUITE 200 GRAND RAPIDS, MI 495032900 | KAISER FOUNDATION HEALTH PLAN INC. | $44K | — | $44K | 1.55% |
| ROBERT L. HUGHES3 Filed as: ROBERT LINHART HUGHES | 89 MONROE CENTER ST NW, SUITE 200 GRAND RAPIDS, MI 495032900 | HEALTH ALLIANCE MEDICAL PLANS | $10K | — | $10K | 0.79% |
| THE PLEXUS GROUPE LLC3 | 21805 FIELD PARKWAY, SUITE 300 DEER PARK, ID 60010 | AETNA LIFE INSURANCE CO | $49K | — | $49K | 7.02% |
| ROBERT L. HUGHES3 Filed as: ROBERT LINHART HUGHES | 89 MONROE CENTER ST NW, SUITE 200 GRAND RAPIDS, MI 595032900 | UNITED CONCORDIA INSURANCE COMPANY | $5K | — | $5K | 5.34% |
| PAVEZ INSURANCE AGENCY3 | 2275 SOUTH MAIN ST, SUITE 101 CORONA, CA 928825303 | UNITED CONCORDIA INSURANCE COMPANY | $4K | — | $4K | 4.57% |
| ROBERT L. HUGHES3 Filed as: ROBERT LINHART HUGHES | 89 MONROE CENTER ST NW, SUITE 200 GRAND RAPIDS, MI 495032900 | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC. | $4K | — | $4K | 5.77% |
| PAVEZ INSURANCE AGENCY3 | 2275 SOUTH MAIN ST, SUITE 101 CORONA, CA 928825303 | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC. | $3K | — | $3K | 4.28% |
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 | 11,094 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 129 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 11,223 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | PHYSICIANS HEALTH PLAN | 1,730 | $12.7M |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 424 | $162K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 20,236 | $5.9M |
| Long-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO | 3,796 | $730K |
| Prescription drug(3 contracts, 3 carriers) | PHYSICIANS HEALTH PLAN | 1,730 | $11.5M |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 20,236 | $5.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 20,236 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.