| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| E.A. BECKER & ASSOCIATES INC3 Filed as: E A BECKER & ASSOCIATES INC | PO BOX 5619 SAGINAW, MI 486030619 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $20K | $0 | $20K | 4.03% |
| REBECCA E TOBIAS3 | PO BOX 5619 SAGINAW, MI 486030619 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $13K | $13K | 2.72% |
| E.A. BECKER & ASSOCIATES INC3 Filed as: E A BECKER & ASSOCIATES INC | PO BOX 5619 SAGINAW, MI 486030619 | VISION SERVICE PLAN INSURANCE COMPANY | $655 | $0 | $655 | 5.03% |
| E.A. BECKER & ASSOCIATES INC3 Filed as: E A BECKER & ASSOCIATES INC | PO BOX 5619 SAGINAW, MI 486030619 | VISION SERVICE PLAN INSURANCE COMPANY | $225 | $0 | $225 | 4.93% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MI EIN 38-2069753 TPA | Other fees; Direct payment from the plan; Contract Administrator; Non-monetary compensation; Claims processing; Insurance services; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general) Service code 12 | — | $74K |
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 | 83 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 83 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 218 | $484K |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 218 | $484K |
| Vision(2 contracts) | VISION SERVICE PLAN INSURANCE COMPANY | 52 | $18K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 218 | $484K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 218 | $484K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.