| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABDAL-HAKIM A. KHIRFAN3 | 1471 SOUTH ELM ROAD FLINT, MI 48532 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $17K | $0 | $17K | 2.67% |
| CARRIE A. FARNUM3 | PO BOX 62899 VIRGINIA BEACH, VA 23466 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $5K | $0 | $5K | 0.87% |
| MULTIPLE BROKERS3 | MULTIPLE ADDRESSES FLINT, MI 48507 | TOTAL HEALTH CARE USA, INC. | $18K | $0 | $18K | 4.89% |
| ABDAL-HAKIM A. KHIRFAN3 | 1471 SOUTH ELM ROAD FLINT, MI 48532 | BLUE CARE NETWORK OF MICHIGAN | $8K | $0 | $8K | 3.17% |
| CARRIE A. FARNUM3 | PO BOX 62899 VIRGINIA BEACH, VA 23466 | BLUE CARE NETWORK OF MICHIGAN | $3K | $0 | $3K | 1.04% |
| ABDAL-HAKIM A. KHIRFAN3 | 1471 SOUTH ELM ROAD FLINT, MI 48532 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 11.05% |
| ABDAL-HAKIM A. KHIRFAN3 | 2200 WESTERN MEADOWS DRIVE FLUSHING, MI 48433 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 4.07% |
| USI INSURANCE SERVICES LLC3 | 222 SOUTH RIVERSIDE PLAZA SUITE 900 CHICAGO, IL 60606 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 1.82% |
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 | 322 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 325 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 272 | $1.2M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 272 | $880K |
| Vision(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 272 | $1.2M |
| Life insurance(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 228 | $206K |
| Short-term disability(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 228 | $206K |
| Long-term disability(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 228 | $206K |
| Prescription drug(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 272 | $1.2M |
| Other(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 228 | $206K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.