| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHELE BOLSER3 | PO BOX 2999 FARMINGTON HILLS, MI 48333 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $10K | — | $10K | 3.47% |
| VTC INSURANCE GROUP3 | 1175 W LONG LAKE ROAD-STE 200 TROY, MI 48098 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $279 | — | $279 | 0.10% |
| MICHELE L BOLSER3 Filed as: MICHELE L. BOLSER | PO BOX 2999 FARMINGTON HILLS, MI 48333 | BLUE CARE NETWORK OF MICHIGAN | $2K | — | $2K | 3.77% |
| VTC INSURANCE GROUP3 | 1175 W. LONG LAKE ROAD - STE 200 TROY, MI 48098 | BLUE CARE NETWORK OF MICHIGAN | $89 | — | $89 | 0.15% |
| VALENTI TROBEC CHANDLER, INC.3 Filed as: VALENTI TROBE CHANDLER INC-DBA VTI | 37000 GRAND RIVER AVE. FARMINGTON, MI 48335 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | $2K | $8K | 12.71% |
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 | 197 | 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) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 61 | $347K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 233 | $61K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 233 | $61K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 233 | $61K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 233 | $61K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 233 | $61K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 61 | $347K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 233 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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."
No prospect flags tripped on this filing.