| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAMUAL CRUDO3 | 2900 WEST ROAD SUITE 222 EAST LANSING, MI 48823 | BLUE CARE NETWORK OF MICHIGAN | $35K | — | $35K | 1.48% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF INDIANA LLC | 3209 W. SMITH VALLEY RD. STE 112 GREENWOOD, IN 46142 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $4K | $7K | 5.83% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: CIA INSURANCE AND RISK MANAGEMENT | 45600 VILLAGE BLVD SHELBY TOWNSHIP, MI 48315 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 2.68% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OPERATING COMPANY | 6802 PARAGON PL STE 200 RICHMOND, VA 23230 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.04% |
| LAU & LAU ASSOCIATES LLC3 | 41000 WOODWARD AVE STE 250 E BLOOMFIELD HILLS, MI 48304 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 9.62% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR LLC | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 20814 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 2.50% |
| CIA FINANCIAL GROUP INC3 Filed as: CIA FINANCIAL GROUP INC. | 45600 VILLAGE BLVD SHELBY TOWNSHIP, MI 48315 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 18.62% |
| JEANNETTE SUE FOKSINSKI3 | 21325 BRIARCLIFF ST SAINT CLAIR SHORES, MI 48082 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 16.94% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF INDIANA, LLC | 3209 W. SMITH VALLEY RD. STE 112 GREENWOOD, IN 46142 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 4.07% |
| ANDREW J LOEWEN3 Filed as: ANDREW JAMES MITCHELL LOEWEN | 321 W HOBART AVE FINDLAY, OH 45840 | CONTINENTAL AMERICAN INSURANCE COMPANY | $576 | — | $576 | 1.45% |
| JEANNETTE SUE FOKSINSKI3 | 21325 BRIARCLIFF ST SAINT CLAIR SHORES, MI 48082 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.02% |
| CHARLES V GLAUB3 | 4404 SAINT ANDREWS ST HOWELL, MI 48843 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| LAU & LAU ASSOCIATES LLC3 | 41000 WOODWARD AVE. STE 250 E BLOOMFIELD HILLS, MI 48304 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR LLC. | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 20814 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $665 | $665 | 2.50% |
| LAU & LAU ASSOCIATES LLC3 | 41000 WOODWARD AVENUE SUITE 250E BLOOMFIELD HILLS, MI 48304 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 9.00% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR LLC | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 20814 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $631 | $0 | $631 | 2.50% |
| LAU & LAU ASSOCIATES LLC3 | 41000 WOODWARD AVE STE 250 E BLOOMFIELD HILLS, MT 48304 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR LLC | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 20814 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $487 | $487 | 2.50% |
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 | 406 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 416 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 406 | $2.4M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 498 | $115K |
| Vision | BLUE CARE NETWORK OF MICHIGAN | 406 | $2.4M |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 280 | $45K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 280 | $43K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 406 | $2.4M |
| Other(4 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 280 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 498 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.