| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CATHY J CONE3 | 7941 KATY FREEWAY STE 410 HOUSTON, TX 770247024 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $197K | — | $197K | 3.35% |
| ENROLLEASE3 Filed as: FIRST PERSON BENEFIT ADVISORS | 9000 KEYSTONE CROSSING # 910 INDIANAPOLIS, IN 46240 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $47K | $47K | 3.29% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENISTAR EIN 06-1490685 CONTRACT ADMIN | Contract Administrator Service code 13 | — | $217K |
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 CONTRACT ADMIN | Contract Administrator Service code 13 | — | $209K |
| SOMERSET CPAS, P.C. EIN 20-1717681 AUDITOR | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $25K |
| COMERICA BANK EIN 38-0477375 CUSTODIAN | Direct payment from the plan Service code 50 | — | $17K |
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 | 4,165 | 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) | 4,165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 444 | $5.9M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 444 | $5.9M |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 444 | $5.9M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,165 | $4.3M |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 833 | $7.1M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,165 | $4.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,165 | — |
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."
No prospect flags tripped on this filing.