| 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 | $301K | — | $301K | 7.24% |
| CONE RETIREE HEALTHCARE GROUP, LLC3 Filed as: CONE RETIREE HEALTHCARE GROUP | 7941 KATY FREEWAY STE 410 HOUSTON, TX 770247024 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $23K | $23K | 0.56% |
| CONE RETIREE HEALTHCARE GROUP, LLC3 Filed as: CONE RETIREE HEALTHCARE GROUP | 791 KATY FREEWAY STE 410 HOUSTON, TX 77024 | HARTFORD LIFE AND ACCIDENT | $53K | — | $53K | 3.68% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 CONTRACT ADMIN | Contract Administrator Service code 13 | — | $484K |
| BENISTAR EIN 06-1490685 CONTRACT ADMIN | Contract Administrator Service code 13 | — | $119K |
| CBIZ CPAS P.C. EIN 43-1947695 AUDITOR | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $28K |
| COMERICA BANK EIN 38-0477375 CUSTODIAN | Direct payment from the plan Service code 50 | — | $16K |
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 | 3,563 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,563 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 2,322 | $4.2M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 2,322 | $4.2M |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 2,322 | $4.2M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 3,563 | $2.1M |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 2,322 | $4.2M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,563 | $3.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,563 | — |
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.