| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT J DOTSON JR3 Filed as: ROBERT J JR DOTSON | PO BOX 1928 SAGINAW, MI 48605 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $29K | — | $29K | 2.97% |
| SAGINAW BAY UNDERWRITERS3 | PO BOX 1928 SAGINAW, MI 48605 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $1K | $1K | 0.13% |
| SAGINAW BAY UNDERWRITERS3 | PO BOX 1928 SAGINAW, MI 48605 | SUN LIFE ASSURANCE COMPANY | $14K | — | $14K | 6.07% |
| ROBERT J DOTSON JR3 Filed as: ROBERT J JR DOTSON | PO BOX 1928 SAGINAW, MI 48605 | BLUE CARE NETWORK OF MICHIGAN | $4K | — | $4K | 2.97% |
| SAGINAW BAY UNDERWRITERS3 | PO BOX 1928 SAGINAW, MI 48605 | BLUE CARE NETWORK OF MICHIGAN | — | $183 | $183 | 0.13% |
| SAGINAW BAY UNDERWRITERS3 | PO BOX 1928 SAGINAW, MI 48605 | EYEMED VISON CARE | $2K | — | $2K | 10.81% |
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 | 114 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 114 | 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 | 203 | $1.1M |
| Dental | ASR HEALTH BENEFITS | 146 | $0 |
| Vision | EYEMED VISON CARE | 215 | $14K |
| Life insurance | SUN LIFE ASSURANCE COMPANY | 177 | $226K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY | 177 | $226K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 203 | $1.1M |
| Other | SUN LIFE ASSURANCE COMPANY | 177 | $226K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.