| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREGG PRANGER3 | 8000 NORMAN CENTER DR SUITE 400 SOUTHFIELD, MI 48075 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $41K | $0 | $41K | 1.00% |
| JOANNE M MUELLER3 | 80 SOUTH 8TH ST SUITE 700 MINNEAPOLIS, MN 55402 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $14K | — | $14K | 0.33% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NA | 4000 TOWN CENTER SUITE 800 SOUTHFIELD, MH 48075 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $18K | $3K | $22K | 5.67% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 SOUTH 8TH ST SUITE 700 MINNEAPOLIS, MN 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17K | — | $17K | 4.34% |
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 | 585 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 592 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 982 | $4.1M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 982 | $4.1M |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 982 | $4.1M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 439 | $384K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 439 | $384K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 439 | $384K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 982 | $4.1M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 439 | $384K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 982 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.