| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICAH S WIDDER3 | 2357 STONEBRIDGE FLINT, MI 48532 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $40K | — | $40K | 2.94% |
| SECURITY FIRST BENEFITS CORP3 Filed as: SECURITY FIRST BENEFITS CORP. | 2357 STONEBRIDGE FLINT, MI 48532 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $2K | $2K | 0.12% |
| MICAH S WIDDER3 | 2357 STONEBRIDGE FLINT, MI 48532 | BLUE CARE NETWORK OF MICHIGAN | $18K | — | $18K | 2.98% |
| SECURITY FIRST BENEFITS CORP3 | 2357 STONEBRIDGE FLINT, MI 48532 | BLUE CARE NETWORK OF MICHIGAN | — | $1K | $1K | 0.17% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | EQUITABLE FINANCIAL LIFE INSURANCE CO OF AMERICA | — | $17K | $17K | 5.86% |
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 | 363 | 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) | 363 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 232 | $2.0M |
| Dental | EQUITABLE FINANCIAL LIFE INSURANCE CO OF AMERICA | 262 | $291K |
| Vision | EQUITABLE FINANCIAL LIFE INSURANCE CO OF AMERICA | 262 | $291K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE CO OF AMERICA | 262 | $291K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE CO OF AMERICA | 262 | $291K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE CO OF AMERICA | 262 | $291K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 232 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 262 | — |
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.