| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RANDALL HOOVER3 | 26555 EVERGREEN ROAD STE 535 SOUTHFIELD, MI 48076 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $34K | $0 | $34K | 4.30% |
| ALBERT MITCHELL3 | 8410 OAKSHADE DRIVE DAVISON, MI 48423 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $8K | $0 | $8K | 0.98% |
| PROADVISOR INSURANCE AGY LLC3 Filed as: PROADVISOR INSURANCE AGENCY LLC | 26555 EVERGREEN ROAD STE 535 SOUTHFIELD, MI 48076 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $1K | $1K | 0.15% |
| RANDALL HOOVER3 | 26555 EVERGREEN RD STE 535 SOUTHFIELD, MI 48076 | BLUE CARE NETWORK OF MICHIGAN | $4K | $0 | $4K | 4.33% |
| ALBERT MITCHELL3 | 8410 OAKSHADE DRIVE STE 300 DAVISON, MI 48423 | BLUE CARE NETWORK OF MICHIGAN | $924 | $0 | $924 | 0.90% |
| PROADVISOR INSURANCE AGY LLC3 Filed as: PROADVISOR INSURANCE AGENCY LLC | 26555 EVERGREEN RD STE 535 SOUTHFIELD, MI 48076 | BLUE CARE NETWORK OF MICHIGAN | $0 | $131 | $131 | 0.13% |
| HOOVER AND ASSOCIATES FINANCIAL SER3 Filed as: HOOVER AND ASSOCIATES | 3123 CROOKS ROAD ROYAL OAK, MI 48073 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 8.24% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W 4TH STREET STE 300 ROYAL OAK, MI 48067 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.95% |
| RALPH C WILSON AGENCY INC3 Filed as: RALPH C WILSON | PO BOX 5069 SOUTHFIELD, MI 48086 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.24% |
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 | 121 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 125 | $887K |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 125 | $887K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 125 | $887K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 151 | $87K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 151 | $87K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 151 | $87K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 125 | $887K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 151 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.