| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT J DOTSON JR3 | P O BOX 1928 SAGINAW, MI 48605 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $16K | — | $16K | 2.75% |
| ROBERT J DOTSON JR3 | P O BOX 1928 SAGINAW, MI 48605 | BLUE CARE NETWORK OF MICHIGAN | $15K | — | $15K | 2.73% |
| SAGINAW UNDERWRITERS INC3 | PO BOX 1258 SAGINAW, MI 48601 | BLUE CARE NETWORK OF MICHIGAN | $204 | — | $204 | 0.04% |
| SAGINAW UNDERWRITERS INC3 | PO BOX 1928 SAGINAW, MI 48605 | AMERICAN UNITED LIFE INSURANCE COMPANY | $10K | — | $10K | 8.15% |
| SAGINAW UNDERWRITERS INC3 | PO BOX 1748 SAGINAW, MI 48605 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 5.68% |
| SAGINAW UNDERWRITERS INC3 | PO BOX 1928 SAGINAW, MI 48605 | EYEMED VISION CARE | $2K | — | $2K | 9.95% |
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 | 184 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 184 | 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 | 144 | $1.1M |
| Vision | EYEMED VISION CARE | 107 | $16K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 184 | $207K |
| Long-term disability(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 184 | $207K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 144 | $1.1M |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 184 | $207K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184 | — |
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.