| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JBGIC INC3 Filed as: JBGIC, INC | 28065 NORCROSS HARRISON TOWNSHIP, MI 48085 | HEALTH ALLIANCE PLAN | $10K | — | $10K | — |
| JBGIC INC3 | 28065 NORCROSS HARRISON TOWNSHIP, MI 48045 | ALLIANCE HEALTH & LIFE INSURANCE COMPANY | $19K | — | $19K | — |
| JBGIC INC3 | 28065 NORCROSS DR HARRISON TOWNSHIP, MI 48045 | DELTA DENTAL OF MICHIGAN | $9K | — | $9K | — |
| JBGIC INC3 | 28065 NORCROSS HARRISON TOWNSHIP, MI 48045 | EYE MED | $1K | — | $1K | — |
| JBGIC INC3 | 28065 NORCROSS HARRISON TOWNSHIP, MI 48045 | MUTUAL OF OMAHA INSURANCE COMPANY | $1K | — | $1K | — |
| JBGIC INC3 | 28065 NORCROSS HARRISON TOWNSHIP, MI 48045 | MUTUAL OF OMAHA INSURANCE COMPANY | $5K | — | $5K | — |
| JBGIC INC3 | 28065 NORCROSS HARRISON TOWNSHIP, MI 48045 | MUTUAL OF OMAHA INSURANCE COMPANY | $5K | — | $5K | — |
| JBGIC INC3 | 28065 NORCROSS HARRISON TOWNSHIP, MI 48045 | MUTUAL OF OMAHA INSURANCE COMPANY | $3K | — | $3K | — |
| JBGIC INC3 | 28065 NORCROSS HARRISON TOWNSHIP, MI 48045 | MUTUAL OF OMAHA INSURANCE COMPANY | $556 | — | $556 | — |
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 | 108 | 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) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 198 | $0 |
| Vision | EYE MED | 186 | $0 |
| Life insurance | MUTUAL OF OMAHA INSURANCE COMPANY | 125 | $0 |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 53 | $0 |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 51 | $0 |
| Other(3 contracts) | MUTUAL OF OMAHA INSURANCE COMPANY | 125 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.