| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIANE D. WHEELOCK3 | 120 WEST SAGINAW STREET EAST LANSING, MI 48854 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $62K | $0 | $62K | 3.06% |
| MSMS PHYSICIANS INSURANCE AGENCY3 | 120 WEST SAGINAW STREET EAST LANSING, MI 48823 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $1K | $1K | 0.06% |
| MSMS PHYSICIANS INSURANCE AGENCY3 | PO BOX 950 EAST LANSING, MI 28826 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | $0 | $10K | 6.28% |
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 | 174 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 0 | $2.0M |
| Dental | DELTA DENTAL OF MICHIGAN | 1,785 | $712K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 0 | $2.0M |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 174 | $158K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 174 | $158K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 174 | $158K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 0 | $2.0M |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 174 | $158K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,785 | — |
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.