| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DOUGLAS H ROEHM3 | 5925 MERIDIAN BOULEVARD SUITE 300 BRIGHTON, MI 48116 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $19K | — | $19K | 4.56% |
| AFFILIATED AGENCIES LLC3 | 16401 EAST 9 MILE ROAD EASTPOINTE, MA 48021 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $936 | $936 | 0.22% |
| AFFILIATED AGENCIES LLC3 Filed as: AFFILIATED AGENCIES, LLC | 5925 MERIDIAN BOULEVARD SUITE 300 BRIGHTON, MI 48116 | DELTA DENTAL OF MICHIGAN | $3K | $356 | $3K | 6.53% |
| STRATEGIC SERVICES GROUP3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR LLC | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $78 | $78 | 0.25% |
| STRATEGIC SERVICES GROUP3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 14.04% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR LLC | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $46 | $46 | 0.25% |
| STRATEGIC SERVICES GROUP3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | VISION SERVICE PLAN | $799 | — | $799 | 7.02% |
| STRATEGIC SERVICES GROUP3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $950 | — | $950 | 15.01% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR LLC | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $16 | $16 | 0.25% |
| STRATEGIC SERVICES GROUP3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $606 | — | $606 | 13.32% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR LLC | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $11 | $11 | 0.24% |
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 | 104 | 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) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 105 | $421K |
| Dental | DELTA DENTAL OF MICHIGAN | 137 | $53K |
| Vision | VISION SERVICE PLAN | 83 | $11K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 104 | $11K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 39 | $31K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 104 | $19K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 105 | $421K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 104 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 137 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.