| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LISA BOURDAGE3 Filed as: LISA J CHORAZYCZEWSKI | 901 WILSHIRE DRIVE SUITE 330 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $19K | — | $19K | 2.44% |
| MICHELE L BOLSER3 | PO BOX 2999 FARMINGTON HILLS, MI 48333 | BLUE CARE NETWORK OF MICHIGAN | $6K | — | $6K | 0.72% |
| WILSHIRE BENEFITS GROUP INC3 | 901 WILSHIRE DRIVE SUITE 300 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | — | $3K | $3K | 0.40% |
| VTC INSURANCE GROUP3 | 1175 WEST LONG LAKE ROAD SUITE 200 TROY, MI 48098 | BLUE CARE NETWORK OF MICHIGAN | — | $241 | $241 | 0.03% |
| WILSHIRE BENEFITS GROUP INC3 | 901 WILSHIRE DRIVE SUITE 300 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $110 | $110 | 0.07% |
| VTC INSURANCE GROUP3 | 1175 WEST LONG LAKE ROAD SUITE 200 TROY, MI 48098 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $9 | $9 | 0.01% |
| LISA BOURDAGE3 Filed as: LISA J CHORAZYCZEWSKI | 901 WILSHIRE DRIVE SUITE 330 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | -$8 | — | -$8 | -0.00% |
| WILSHIRE BENEFITS GROUP INC3 | 901 WILSHIRE DRIVE SUITE 330 TROY, MI 48084 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 8.30% |
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 | 146 | 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) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 158 | $951K |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 158 | $163K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 158 | $163K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 146 | $65K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 146 | $65K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 158 | $951K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 146 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 158 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.