| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY RD STE 403 WOODBURY, NY 117972530 | PRINCIPAL LIFE INSURANCE COMPANY | $193K | $25K | $217K | 17.84% |
| LAURA A JEWELL3 | 30150 TELEGRAPH RD #408 BINGHAM FARMS, MI 480255708 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $20K | — | $20K | 3.18% |
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 | 1,464 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,482 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | 1,435 | $625K |
| Dental | DELTA DENTAL OF MICHIGAN | 2,923 | $694K |
| Vision | EYEMED VISION CARE | 2,727 | $152K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 2,320 | $1.2M |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 2,320 | $1.2M |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 2,320 | $1.2M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | 1,435 | $625K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,923 | — |
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.