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| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 TPA | Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Insurance services; Float revenue; Direct payment from the plan; Contract Administrator; Claims processing; Other fees Service code 12 | — | $254K |
| PHILIP A. GABRIELSON AGENT | Insurance agents and brokers; Insurance brokerage commissions and fees; Other commissions; Non-monetary compensation; Other fees Service code 22 | 22525 HALL RD, STE B MACOMB, MI 480425265 | $98K |
| PROADVISOR INSURANCE AGY LLC AGENT | Insurance brokerage commissions and fees; Insurance agents and brokers; Non-monetary compensation; Other commissions; Other fees Service code 22 | 26555 EVERGREEN RD STE 535 SOUTHFIELD, MI 480764213 | $27K |
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 | 348 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 348 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 642 | $688K |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 642 | $688K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 642 | $688K |
| Life insurance | GUARDIAN | 348 | $118K |
| Short-term disability | GUARDIAN | 348 | $118K |
| Long-term disability | GUARDIAN | 348 | $118K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 642 | $688K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 642 | $688K |
| Other | GUARDIAN | 348 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 642 | — |
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.