| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RONALD R SCHOEN3 | 6628 DIXIE HWY BRIDGEPORT, MI 487229515 | BLUE CROSS BLUE SHIELD OF MI | $12K | $18K | $30K | 8.74% |
| EMPLOYEE BENEFIT RESOURCES3 | 6628 DIXIE HWY BRIDGEPORT, MI 487229515 | BLUE CROSS BLUE SHIELD OF MI | — | $5K | $5K | 1.52% |
| EMPLOYEE BENEFIT RESOURCES3 Filed as: EMPLOYEE BENEFIT RESOURCES INC | 6628 DIXIE HWY BRIDGEPORT, MI 487229623 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | — | $13K | 13.72% |
| KEYSTONE INSURANCE & BENEFITS GROUP Filed as: KEYSTONE INSURERS GROUP INC | 1995 POINT TOWNSHIP DR NORTHUMBERLAN, PA 178578856 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 4.57% |
| EMPLOYEE BENEFIT RESOURCES3 | 6628 DIXIE HWY BRIDGEPORT, MI 487229623 | VISION SERVICE PLAN | $2K | — | $2K | 3.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 TPA | Insurance services; Other fees; Claims processing; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Direct payment from the plan; Contract Administrator Service code 12 | — | $292K |
| RONALD R SCHOEN INSURANCE AGENT/BROKER | Non-monetary compensation; Other fees; Insurance agents and brokers; Other commissions; Insurance brokerage commissions and fees Service code 22 | 6628 DIXIE HWY BRIDGEPORT, MI 48722 | $30K |
| EMPLOYEE BENEFIT RESOURCES INSURANCE AGENT/BROKER | Insurance agents and brokers; Insurance brokerage commissions and fees; Other commissions; Other fees; Non-monetary compensation Service code 22 | 6628 DIXIE HWY BRIDGEPORT, MI 48722 | $20K |
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 | 381 | 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) | 381 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MI | 662 | $343K |
| Dental | BLUE CROSS BLUE SHIELD OF MI | 662 | $343K |
| Vision | VISION SERVICE PLAN | 252 | $72K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 378 | $93K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 378 | $93K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MI | 662 | $343K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MI | 662 | $343K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 378 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 662 | — |
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.