| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHARLES O JR HOWEY3 | 22333 ALLEN RD WOODHAVEN, MI 48183 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $4K | $23K | $27K | 13.25% |
| HOWEY & ASSOCIATES, INC.3 | 22333 ALLEN RD WOODHAVEN, MI 48183 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 9.95% |
| HOWEY & ASSOCIATES, INC.3 Filed as: HOWEY & ASSOCIATES INSURANCE | 22333 ALLEN RD WOODHAVEN, MI 48183 | VISION SERVICE PLAN | $1K | — | $1K | 5.84% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CARE NETWORK EIN 38-2359234 TPA | Contract Administrator Service code 13 | — | $380K |
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 TPA | Other fees; Direct payment from the plan; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Contract Administrator; Insurance services; Float revenue Service code 12 | — | $59K |
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 | 155 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 137 | $201K |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 137 | $201K |
| Vision | VISION SERVICE PLAN | 78 | $19K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $70K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $70K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $70K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 137 | $201K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 137 | $201K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.