| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RUSSELL BEDENBAUGH3 | PO BOX 896620 BLUFFTON, NC 28289 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $41K | $0 | $41K | 1.82% |
| TRIENA M ATKINSON3 Filed as: TRIENA M. ATKINSON | 1591 GALBRAITH AVENUE SE GRAND RAPIDS, MI 49546 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $21K | $0 | $21K | 0.95% |
| JOHN J. SCHOLL3 | 50 BRAINTREE HILL, SUITE 310 BRAINTREE, MA 02184 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $2K | $0 | $2K | 0.10% |
| RUSSELL BEDENBAUGH3 | PO BOX 896620 BLUFFTON, NC 28289 | BLUE CARE NETWORK OF MICHIGAN | $14K | $0 | $14K | 1.83% |
| TRIENA M ATKINSON3 Filed as: TRIENA M. ATKINSON | 1591 GALBRAITH AVENUE SE GRAND RAPIDS, MI 49546 | BLUE CARE NETWORK OF MICHIGAN | $7K | $0 | $7K | 0.93% |
| JOHN J. SCHOLL3 | 50 BRAINTREE HILL, SUITE 310 BRAINTREE, MA 02184 | BLUE CARE NETWORK OF MICHIGAN | $815 | $0 | $815 | 0.11% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 28289 | STANDARD INSURANCE COMPANY | $28K | $6K | $34K | 10.07% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 55 EAST JACKSON BOULEVARD CHICAGO, IL 60604 | STANDARD INSURANCE COMPANY | $22 | $0 | $22 | 0.01% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 27409 | DELTA DENTAL OF MICHIGAN | $13K | $0 | $13K | 5.08% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 1591 GALBRAITH AVENUE SE GRAND RAPIDS, MI 49546 | DELTA DENTAL OF MICHIGAN | $3K | $0 | $3K | 1.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | DELTA DENTAL OF MICHIGAN | $1K | $0 | $1K | 0.54% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 28289 | VISION SERVICE PLAN | $5K | $0 | $5K | 7.68% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | PO BOX 2167 GRAND RAPIDS, MI 49501 | VISION SERVICE PLAN | $2K | $0 | $2K | 2.36% |
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 | 806 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 812 | 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 | 299 | $3.0M |
| Dental | DELTA DENTAL OF MICHIGAN | 630 | $250K |
| Vision | VISION SERVICE PLAN | 294 | $70K |
| Life insurance | STANDARD INSURANCE COMPANY | 806 | $342K |
| Short-term disability | STANDARD INSURANCE COMPANY | 806 | $342K |
| Long-term disability | STANDARD INSURANCE COMPANY | 806 | $342K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 299 | $3.0M |
| Other | STANDARD INSURANCE COMPANY | 806 | $342K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 806 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.