| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL A KRAUSE Filed as: MICHAEL ALLEN KRAUSE | 30411 W 12 MILE RD FARMINGTON HILLS, MI 48334 | BLUE CROSS BLUE SHIELD MICHIGAN | $52K | — | $52K | 3.03% |
| PROVISOR INSURANCE AGENCY | 26555 EVERGREEN ROAR SUITE 535 SOUTHFIELD, MI 48076 | BLUE CROSS BLUE SHIELD MICHIGAN | $2K | — | $2K | 0.13% |
| MICHAEL A KRAUSE Filed as: MICHAEL ALLEN KRAUSE | 30411 W 12 MILE RD FARMINGTON HILLS, MI 48334 | PRINCIPAL LIFE INSURANCE COMPANY | $14K | — | $14K | 10.80% |
| ALTRUIS BENEFIT CONSULTING INC Filed as: ALTRUIS BENEFITS CONSULTANTS | 30600 TELEGRAPH RD SUITE 1225 BINGHAM FARMS, MI 48025 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 3.47% |
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 | 261 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 261 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD MICHIGAN | 261 | $1.7M |
| Dental | BLUE CROSS BLUE SHIELD MICHIGAN | 261 | $1.7M |
| Vision | BLUE CROSS BLUE SHIELD MICHIGAN | 261 | $1.7M |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 218 | $131K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 218 | $131K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 218 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.