| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RICHARD H PHILLIPS3 | 3055 44TH STREET SW GRANDVILLE, MI 49418 | BLUE CARE NETWORK OF MICHIGAN | $44K | — | $44K | 3.01% |
| STRATEGIC BENEFITS NETWORK LLC3 | 222 WEST CEDAR AVENUE GLADWIN, MI 48624 | BLUE CARE NETWORK OF MICHIGAN | — | $2K | $2K | 0.11% |
| RICHARD H PHILLIPS3 | 3055 44TH STREET SW GRANDVILLE, MI 49418 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $6K | — | $6K | 4.28% |
| STRATEGIC BENEFITS NETWORK LLC3 | 222 WEST CEDAR AVENUE GLADWIN, MI 48624 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $1K | $1K | 0.75% |
| DAVID M MUILENBERG3 Filed as: DAVID MUILENBERG | 971 SPAULDING AVE SE SUITE A ADA, MI 49301 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 6.72% |
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 | 156 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 53 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 315 | $1.6M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 315 | $141K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 315 | $141K |
| Life insurance | STANDARD INSURANCE COMPANY | 161 | $37K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 315 | $1.6M |
| Other | STANDARD INSURANCE COMPANY | 161 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 315 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.