| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT J DOTSON JR3 | 1258 S WASHINGTON SAGINAW, MI 486012509 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $8K | $24K | $33K | 12.59% |
| SAGINAW BAY UNDERWRITERS3 | 1258 S WASHINGTON SAGINAW, MI 486012509 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $4K | $4K | 1.68% |
| SAGINAW BAY UNDERWRITERS3 Filed as: SAGINAW UNDERWRITERS INC | PO BOX 1928 SAGINAW, MI 48605 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 4.43% |
| SAGINAW BAY UNDERWRITERS3 Filed as: SAGINAW UNDERWRITERS INC | PO BOX 1928 SAGINAW, MI 48605 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| SAGINAW BAY UNDERWRITERS3 Filed as: SAGINAW UNDERWRITERS, INC. | PO BOX 1928 SAGINAW, MI 48605 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 8.05% |
| SAGINAW BAY UNDERWRITERS3 Filed as: SAGINAW UNDERWRITERS INC | PO BOX 1928 SAGINAW, MI 48605 | EYEMED VISION CARE | $2K | — | $2K | 9.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 TPA | Direct payment from the plan; Other fees; Contract Administrator; Claims processing; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Insurance services Service code 12 | — | $200K |
| ROBERT J DOTSON JR AGENT | Other commissions; Insurance agents and brokers; Other fees; Non-monetary compensation; Insurance brokerage commissions and fees Service code 22 | PO BOX 1928 SAGINAW, MI 48605 | $33K |
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 | 185 | 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) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 385 | $260K |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 385 | $260K |
| Vision | EYEMED VISION CARE | 281 | $20K |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 185 | $74K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 385 | $260K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 385 | $260K |
| Other(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 185 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 385 | — |
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.