| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSH BROWER3 Filed as: JOSH A. BROWER | 615 NORTH CAPITOL AVENUE LANSING, MI 48933 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $16K | $0 | $16K | 1.97% |
| BRIAN METCALF3 | 615 NORTH CAPITOL AVENUE LANSING, MI 48933 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $14K | $0 | $14K | 1.72% |
| RYAN J. HARRIS3 | 2929 SPRING ARBOR ROAD JACKSON, MI 49203 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $4K | $0 | $4K | 0.47% |
| PCF INSURANCE SERVICES OF THE WEST3 Filed as: PCF INS. SERVICES OF THE WEST, LLC | 21300 VICTORY BOULEVARD, SUITE 700 WOODLAND HILLS, CA 91367 | DELTA DENTAL OF MICHIGAN | $4K | $0 | $4K | 6.07% |
| PCF INSURANCE SERVICES OF THE WEST3 | 615 NORTH CAPITOL AVENUE LANSING, MI 48933 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 9.93% |
| WALTON AGENCY, INC.3 Filed as: WALTON AGENCY INCORPORATED | PO BOX 3029 JACKSON, MI 49204 | PRINCIPAL LIFE INSURANCE COMPANY | $553 | $0 | $553 | 0.99% |
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 | 169 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 170 | 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 | 169 | $808K |
| Dental | DELTA DENTAL OF MICHIGAN | 161 | $59K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 231 | $56K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 231 | $56K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 231 | $56K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 157 | $808K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 231 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.