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| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 TPA | Claims processing; Direct payment from the plan; Float revenue; Insurance services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other fees; Consulting (general) Service code 12 | — | $209K |
| RONALD R SCHOEN INSURANCE AGENT/BROKER | Insurance brokerage commissions and fees; Other fees; Other commissions; Insurance agents and brokers; Non-monetary compensation Service code 22 | 6628 DIXIE HWY BRIDGEPORT, MI 48722 | $28K |
| EMPLOYEE BENEFIT RESOURCES INSURANCE AGENT/BROKER | Other fees; Insurance brokerage commissions and fees; Insurance agents and brokers; Other commissions; Non-monetary compensation Service code 22 | 6628 DIXIE HWY BRIDGEPORT, MI 48722 | $7K |
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 | 314 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 314 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MI | 582 | $285K |
| Vision | VISION SERVICE PLAN | 149 | $46K |
| Life insurance | AMERICAN UNITED LIFE INURANCE COMPANY | 314 | $69K |
| Long-term disability | AMERICAN UNITED LIFE INURANCE COMPANY | 314 | $69K |
| Other | AMERICAN UNITED LIFE INURANCE COMPANY | 314 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 582 | — |
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.