| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHIGAN PLANNERS, INC.3 | 59259 VAN DYKE WASHINGTON, MI 480942205 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $34K | $2K | $36K | 2.05% |
| MICHIGAN PLANNERS, INC.3 | 59259 VAN DYKE WASHINGTON, MI 480942205 | DELTA DENTAL OF MICHIGAN | $9K | — | $9K | 4.32% |
| MICHIGAN PLANNERS, INC.3 | 59259 VAN DYKE WASHINGTON, MI 480942205 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 10.00% |
| AXA ASSISTANCE, USA5 | 122 S MICHIGAN AVENUE, SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $57 | $57 | 0.05% |
| MICHIGAN PLANNERS, INC.3 | 59259 VAN DYKE WASHINGTON, MI 480942205 | VISION SERVICE PLAN | $1K | — | $1K | 4.54% |
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 | 148 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 35 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 388 | $1.8M |
| Dental | DELTA DENTAL OF MICHIGAN | 477 | $218K |
| Vision | VISION SERVICE PLAN | 176 | $32K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 219 | $117K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 219 | $117K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 388 | $1.8M |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 219 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 477 | — |
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.