| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REBECCA E TOBIAS3 | PO BOX 5619 SAGINAW, MI 486030619 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $14K | $14K | 3.70% |
| E.A. BECKER & ASSOCIATES INC3 Filed as: E.A. BECKER & ASSOCIATES, INC. | 1750 TITTABAWASSEE SAGINAW, MI 48603 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $1K | $1K | 0.38% |
| REBECCA E TOBIAS3 | PO BOX 5619 SAGINAW, MI 486030619 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $21K | — | $21K | 34.35% |
| E.A. BECKER & ASSOCIATES INC3 Filed as: E.A. BECKER & ASSOCIATES, INC. | PO BOX 5619 SAGINAW, MI 486038603 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $866 | $866 | 1.44% |
| E.A. BECKER & ASSOCIATES INC3 Filed as: E.A. BECKER & ASSOCIATES, INC. | PO BOX 5619 SAGINAW, MI 486030619 | VISION SERVICE PLAN | $655 | — | $655 | 4.94% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 TPA | Insurance services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Direct payment from the plan; Contract Administrator; Float revenue; Other fees; Claims processing Service code 12 | — | $89K |
| REBECCA E TOBIAS AGENT | Other fees; Insurance agents and brokers; Insurance brokerage commissions and fees; Non-monetary compensation; Other commissions Service code 22 | PO BOX 5619 SAGINAW, MI 486030619 | $35K |
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 | 85 | 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) | 85 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 216 | $389K |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 201 | $60K |
| Vision | VISION SERVICE PLAN | 68 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 216 | — |
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.