| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANGELA GARNER3 Filed as: ANGELA L GARNER | 1605 CONCENTRIC BLVD STE 1 SAGINAW, MI 48604 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $17K | $25K | $42K | 1.41% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF CENTRAL MI | 1605 CONCENTRIC BLVD STE 1 SAGINAW, MI 48604 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $4K | $4K | 0.15% |
| GREGORY HATCHER3 | 310 LOUISIANA ST LITTLE ROCK, AR 72201 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $3K | $0 | $3K | 0.11% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 | Consulting (general); Float revenue; Claims processing; Direct payment from the plan; Insurance services; Other fees; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $233K |
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 | 681 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 681 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 681 | $3.0M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 681 | $3.0M |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 681 | $3.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 681 | — |
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.