| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIANE CHRISTENSEN3 | 5600 NEW KING DRIVE STE 210 TROY, MI 48098 | BLUE CARE NETWORK OF MICHIGAN | $34K | $0 | $34K | 4.30% |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSO LLC | 30600 NORTHWESTERN HWY SUITE 200 FARMINGTON HILLS, MI 48334 | BLUE CARE NETWORK OF MICHIGAN | $0 | $673 | $673 | 0.08% |
| DIANE CHRISTENSEN3 | 5600 NEW KING DRIVE STE 210 TROY, MI 48098 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $10K | $0 | $10K | 4.96% |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSO LLC | 30600 NORTHWESTERN HWY SUITE 200 FARMINGTON HILLS, MI 48334 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $747 | $747 | 0.36% |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSOCIATE | 30600 NORTHWESTERN HWY SUITE 200 FARMINGTON HILLS, MI 48334 | GUARDIAN | $6K | $1K | $7K | 8.42% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD. | P.O. BOX 427 BENTON, KY 42025 | GUARDIAN | $3K | $0 | $3K | 3.26% |
| TRACY KATZ LLC4 | 1662 E MELTON RD BIRMINGHAM, MI 48009 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $198 | $0 | $198 | 11.67% |
| HUB INTERNATIONAL MIDWEST LIMITED4 Filed as: HUB INTERNATIONAL MIDWEST | 1591 GALBRAITH AVE SE TROY, MI 49546 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $144 | $0 | $144 | 8.49% |
| ALI C SANDERS4 | 37244 S HEATHER CT WESTLAND, MI 48185 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $103 | $0 | $103 | 6.07% |
| SOUTHFIELD BUSINESS CENTER GROUP4 | 203 LANCASTER LN CENTERVILLE, GA 31028 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $40 | $0 | $40 | 2.36% |
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 | 126 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 146 | $1.0M |
| Dental(3 contracts, 3 carriers) | BLUE CARE NETWORK OF MICHIGAN | 146 | $1.1M |
| Vision(3 contracts, 3 carriers) | BLUE CARE NETWORK OF MICHIGAN | 146 | $1.1M |
| Life insurance | GUARDIAN | 126 | $87K |
| Short-term disability | GUARDIAN | 126 | $87K |
| Long-term disability | GUARDIAN | 126 | $87K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 146 | $1.0M |
| Other(2 contracts, 2 carriers) | GUARDIAN | 126 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.