| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID WILLIAM GOODMAN3 | P.O. BOX TORY, MI 48099 | BLUE CARE NETWORK OR MICHIGAN | $26K | — | $26K | 4.39% |
| ACTION BENEFITS COMPANY3 Filed as: ACTION BENEFITS | 26533 EVERGREEN ROAD SUITE 400 SOUTHFIELD, MI 48076 | BLUE CARE NETWORK OR MICHIGAN | $7K | — | $7K | 1.16% |
| JAMES P LILL3 | 2651 WARRENVILLE ROAD SUITE 200 DOWNERS GROVE, IL 60515 | BLUE CARE NETWORK OR MICHIGAN | $5K | — | $5K | 0.91% |
| GROTENHUIS3 | P.O. BOX 140167 GRAND RAPIDS, MI 49514 | BLUE CARE NETWORK OR MICHIGAN | $594 | — | $594 | 0.10% |
| INSPRO INC3 Filed as: INSPRO INS AGENCY INC DBA INSPRO IN | 2095 EAST BIG BEAVER ROAD SUITE 100 TROY, MI 48083 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 6.21% |
| AXION RMS LTD3 Filed as: AXION RMS, LTD | 2651 WARRENVILLE ROAD SUITE 200 DOWNERS GROVE, IL 60515 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 2.03% |
| GROTENHUIS3 | 588 THREE MILE ROAD NORTHWEST SUITE 101 GRAND RAPIDS, MI 49544 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 1.42% |
| DAVID WILLIAM GOODMAN3 | P.O. BOX TORY, MI 48099 | BLUE CARE NETWORK OF MICHIGAN | $26K | — | $26K | 20.59% |
| ACTION BENEFITS COMPANY3 Filed as: ACTION BENEFITS | 26533 EVERGREEN ROAD SUITE 400 SOUTHFIELD, MI 48076 | BLUE CARE NETWORK OF MICHIGAN | $7K | — | $7K | 5.44% |
| JAMES P LILL3 | 2651 WARRENVILLE ROAD SUITE 200 DOWNERS GROVE, IL 60515 | BLUE CARE NETWORK OF MICHIGAN | $5K | — | $5K | 4.28% |
| GROTENHUIS3 | P.O. BOX 140167 GRAND RAPIDS, MI 49514 | BLUE CARE NETWORK OF MICHIGAN | $594 | — | $594 | 0.48% |
| DAVID WILLIAM GOODMAN3 | P.O. BOX 99100 TROY, MI 48099 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $2K | — | $2K | 3.20% |
| ACTION BENEFITS COMPANY3 | 24600 NORTHWESTERN SOUTHFIELD, MI 48075 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $440 | — | $440 | 0.90% |
| JAMES P LILL3 | 760 PASQUINELLI DRIVE SUITE 358 WESTMONT, IL 60559 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $313 | — | $313 | 0.64% |
| GROTENHUIS3 | P.O. BOX 140167 GRAND RAPIDS, MI 49514 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $44 | — | $44 | 0.09% |
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 | 109 | 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) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CARE NETWORK OR MICHIGAN | 202 | $757K |
| Dental | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 131 | $144K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 131 | $144K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 131 | $144K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 131 | $144K |
| Prescription drug(3 contracts, 3 carriers) | BLUE CARE NETWORK OR MICHIGAN | 202 | $757K |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 131 | $144K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.