| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $89K | $671 | $90K | 2.76% |
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 75265 | HARTFORD LIFE AND ACCIDENT | $25K | — | $25K | 8.99% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | $0 | $5K | $5K | 1.98% |
| TRACY KATZ LLC3 | 1662 EAST MELTON ROAD BIRMINGHAM, MI 48009 | PRE-PAID LEGAL SERVICES DBA LEGALSHIELD | $2K | $0 | $2K | 15.45% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | PRE-PAID LEGAL SERVICES DBA LEGALSHIELD | $355 | $0 | $355 | 3.36% |
| JILL FEENEY3 | 119 OPTIMIST COURT AUBURN HILLS, MI 48326 | PRE-PAID LEGAL SERVICES DBA LEGALSHIELD | $75 | $0 | $75 | 0.71% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | $3K | $0 | $3K | 35.01% |
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 | 361 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 372 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 644 | $3.2M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 644 | $3.2M |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 644 | $3.2M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 350 | $273K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 350 | $273K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 350 | $273K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 644 | $3.2M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 361 | $291K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 644 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.