| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDIE M. HUFFMAN3 | 2755 CARPENTER ROAD, STE. 35W ANN ARBOR, MI 48108 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $131K | — | $131K | 3.28% |
| ANN ARBOR INSURANCE CENTRE, INC.3 Filed as: ANN ARBOR INSURANCE CNTR | 2621 CARPENTER ROAD ANN ARBOR, MI 48108 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $916 | $916 | 0.02% |
| EDIE M. HUFFMAN3 | 2755 CARPENTER ROAD, STE. 35W ANN ARBOR, MI 48108 | BLUE CARE NETWORK OF MICHIGAN | $26K | $0 | $26K | 3.27% |
| ANN ARBOR INSURANCE CENTRE, INC.3 Filed as: ANN ARBOR INS CNTR - EDIE HUFFMAN | 2755 CARPENTER ROAD, STE. 35W ANN ARBOR, MI 48108 | DELTA DENTAL OF MICHIGAN | $39K | — | $39K | 12.45% |
| ANN ARBOR INSURANCE CENTRE, INC.3 Filed as: ANN ARBOR INSURANCE CNTR | 2755 CARPENTER ROAD, STE. 35W ANN ARBOR, MI 48108 | STANDARD INSURANCE COMPANY | $41K | — | $41K | 19.98% |
| ANN ARBOR INSURANCE CENTRE, INC.3 Filed as: ANN ARBOR INSURANCE CNTR | 2755 CARPENTER ROAD, STE. 35W ANN ARBOR, MI 48108 | STANDARD INSURANCE COMPANY | $13K | — | $13K | 20.00% |
| ANN ARBOR INSURANCE CENTRE, INC.3 Filed as: ANN ARBOR INSURANCE CNTR | 2755 CARPENTER ROAD, STE. 35W ANN ARBOR, MI 48108 | STANDARD INSURANCE COMPANY | $22K | — | $22K | 200.85% |
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 | 507 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 507 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 943 | $4.8M |
| Dental | DELTA DENTAL OF MICHIGAN | 865 | $312K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 943 | $4.0M |
| Life insurance | STANDARD INSURANCE COMPANY | 507 | $203K |
| Short-term disability | STANDARD INSURANCE COMPANY | 507 | $11K |
| Long-term disability | STANDARD INSURANCE COMPANY | 507 | $65K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 943 | $4.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 943 | — |
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.