| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DOUGLAS H ROEHM3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $21K | — | $21K | 4.59% |
| AFFILIATED AGENCIES LLC3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $936 | $936 | 0.21% |
| AFFILIATED AGENCIES LLC3 Filed as: AFFILIATED AGENCIES, LLC | 5925 MERIDIAN BOULEVARD BRIGHTON, MI 48116 | DELTA DENTAL OF MICHIGAN | $2K | $215 | $3K | 5.49% |
| AFFILIATED AGENCIES LLC3 Filed as: AFFILIATED AGENCIES, LLC | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER, MI 48307 | DELTA DENTAL OF MICHIGAN | $495 | — | $495 | 1.02% |
| STRATEGIC SERVICES GROUP3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 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 | — | $96 | $96 | 0.25% |
| STRATEGIC SERVICES GROUP3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 13.35% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR LLC | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $56 | $56 | 0.25% |
| STRATEGIC SERVICES GROUP3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | VISION SERVICE PLAN | $807 | — | $807 | 6.96% |
| STRATEGIC SERVICES GROUP3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $809 | — | $809 | 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 | — | $13 | $13 | 0.24% |
| STRATEGIC SERVICES GROUP3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $682 | — | $682 | 13.14% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR LLC | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $13 | $13 | 0.25% |
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 | 115 | 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) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 116 | $449K |
| Dental | DELTA DENTAL OF MICHIGAN | 149 | $48K |
| Vision | VISION SERVICE PLAN | 95 | $12K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 116 | $11K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 43 | $38K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 116 | $23K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 116 | $449K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 116 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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.