| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRATEGIC BENEFITS NETWORK LLC3 | 2900 WEST RD., STE. 222 EAST LANSING, MI 48823 | BLUE CARE NETWORK OF MICHIGAN | $66K | $2K | $68K | 3.27% |
| LAU & LAU ASSOCIATES LLC3 | 41000 WOODWARD AVE., STE. 250E BLOOMFIELD HILLS, MI 48304 | DEARBORN LIFE INSURANCE COMPANY | $14K | — | $14K | 11.84% |
| 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 | $5K | $3K | $9K | 8.25% |
| 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 | $4K | — | $4K | 15.57% |
| JEANNETTE SUE FOKSINSKI3 | 21325 BRIARCLIFF ST. SAINT CLAIR SHORES, MI 48082 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 7.08% |
| ANDREW J LOEWEN3 Filed as: ANDREW JAMES MITCHELL LOEWEN | 321 W HOBART AVE. FINDLAY, OH 45840 | CONTINENTAL AMERICAN INSURANCE COMPANY | $219 | — | $219 | 0.84% |
| CHARLES V GLAUB3 | 4404 SAINT ANDREWS ST. HOWELL, MI 48843 | CONTINENTAL AMERICAN INSURANCE COMPANY | $138 | — | $138 | 0.53% |
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 | 380 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 385 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 333 | $2.1M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 416 | $105K |
| Vision | BLUE CARE NETWORK OF MICHIGAN | 333 | $2.1M |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 380 | $115K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 380 | $115K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 380 | $115K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 333 | $2.1M |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 380 | $141K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 416 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.