| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL G. GREEN3 Filed as: MICHAEL GRINDEM | 2525 S TELEGRAPH STE 310 BLOOMFIELD HILLS, MI 48302 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $22K | $0 | $22K | 3.29% |
| ACTION BENEFITS COMPANY3 | 25800 NORTHWESTERN HWY SUITE 600 SOUTHFIELD, MI 480758075 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $5K | $0 | $5K | 0.76% |
| THE BENEFIT COMPANY INC3 Filed as: BENEFIT GROUP INC | 2525 S TELEGRAPH STE 310 BLOOMFIELD HILLS, MI 483028302 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $520 | $520 | 0.08% |
| MICHAEL G. GREEN3 Filed as: MICHAEL GRINDEM | 2525 S TELEGRAPH STE 310 BLOOMFIELD HILLS, MI 48302 | BLUE CARE NETWORK OF MICHIGAN | $4K | $0 | $4K | 2.96% |
| ACTION BENEFITS COMPANY3 | 25800 NORTHWESTERN HWY SUITE 600 SOUTHFIELD, MI 480758075 | BLUE CARE NETWORK OF MICHIGAN | $1K | $0 | $1K | 0.83% |
| THE BENEFIT COMPANY INC3 Filed as: BENEFIT GROUP INC | 2525 S TELEGRAPH STE 308 BLOOMFIELD HILLS, MI 48302 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 10.00% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $698 | $698 | 1.50% |
| THE BENEFIT COMPANY INC3 Filed as: BENEFIT GROUP INC | 2525 S TELEGRAPH STE 308 BLOOMFIELD HILLS, MI 48302 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $161 | $161 | 1.50% |
| THE BENEFIT COMPANY INC3 Filed as: BENEFIT GROUP INC | 2525 S TELEGRAPH STE 308 BLOOMFIELD HILLS, MI 48302 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 14.99% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $122 | $122 | 1.49% |
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 | 184 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 186 | 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 | 156 | $782K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 128 | $47K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 121 | $11K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 190 | $8K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 156 | $782K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 190 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.