| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REBECCA E TOBIAS3 | PO BOX 5619 SAGINAW, MI 486030619 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $25K | $14K | $39K | 8.02% |
| E.A. BECKER & ASSOCIATES INC3 Filed as: E.A. BECKER & ASSOCIATES, INC. | PO BOX 5619 SAGINAW, MI 48603 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $490 | — | $490 | 0.10% |
| REBECCA E TOBIAS3 | PO BOX 5619 SAGINAW, MI 486030619 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $25K | — | $25K | 35.45% |
| E.A. BECKER & ASSOCIATES INC3 Filed as: E.A. BECKER & ASSOCIATES, INC. | PO BOX 5619 SAGINAW, MI 486038603 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $490 | $490 | 0.71% |
| E.A. BECKER & ASSOCIATES INC3 Filed as: E.A. BECKER & ASSOCIATES, INC. | PO BOX 5619 SAGINAW, MI 486030619 | VISION SERVICE PLAN | $774 | — | $774 | 5.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 TPA | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Insurance services; Float revenue; Contract Administrator; Claims processing; Other fees Service code 12 | — | $95K |
| REBECCA E TOBIAS AGENT | Other commissions; Non-monetary compensation; Insurance agents and brokers; Insurance brokerage commissions and fees; Other fees Service code 22 | PO BOX 5619 SAGINAW, MI 486030619 | $64K |
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 | 92 | 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) | 92 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 223 | $486K |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 210 | $69K |
| Vision | VISION SERVICE PLAN | 72 | $15K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 223 | $486K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 223 | $486K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 223 | — |
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.