| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAMUEL CRUDO3 | 2900 WEST RD., STE. 222 EAST LANSING, MI 48823 | BLUE CARE NETWORK OF MICHIGAN | $51K | — | $51K | 2.75% |
| STRATEGIC BENEFITS NETWORK LLC3 | 2357 STONEBRIDGE DR. FLINT, MI 48532 | BLUE CARE NETWORK OF MICHIGAN | — | $2K | $2K | 0.11% |
| LAU & LAU ASSOCIATES LLC3 | 41000 WOODWARD AVE., STE. 250E BLOOMFIELD HILLS, MI 48304 | DEARBORN LIFE INSURANCE COMPANY | $13K | — | $13K | 12.29% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF INDIANA | 3209 W. SMITH VALLEY RD., STE. 112 GREENWOOD, IN 46142 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $3K | $8K | 8.06% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OPERATING COMPANY | 6802 PARAGON PL., STE. 200 RICHMOND, VA 23230 | PRINCIPAL LIFE INSURANCE COMPANY | — | $460 | $460 | 0.48% |
| 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 | $10K | — | $10K | 21.55% |
| JEANNETTE SUE FOKSINSKI3 | 21325 BRIARCLIFF ST. SAINT CLAIR SHORES, MI 48082 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 12.06% |
| ANDREW J LOEWEN3 Filed as: ANDREW JAMES MITCHELL LOEWEN | 321 W HOBART AVE. FINDLAY, OH 45840 | CONTINENTAL AMERICAN INSURANCE COMPANY | $692 | — | $692 | 1.56% |
| CHARLES V GLAUB3 | 4404 SAINT ANDREWS ST. HOWELL, MI 48843 | CONTINENTAL AMERICAN INSURANCE COMPANY | $512 | — | $512 | 1.16% |
| STEPHEN A GRACIN3 | 21229 FRAZHO SAINT CLAIR SHORES, MI 48081 | CONTINENTAL AMERICAN INSURANCE COMPANY | $131 | — | $131 | 0.30% |
| DSC HOUSE ACCOUNT3 | 21325 BRIARCLIFF ST. SAINT CLAIR SHORES, MI 48082 | CONTINENTAL AMERICAN INSURANCE COMPANY | $69 | — | $69 | 0.16% |
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 | 388 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 395 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 305 | $1.9M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 372 | $95K |
| Vision | BLUE CARE NETWORK OF MICHIGAN | 305 | $1.9M |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 388 | $106K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 388 | $106K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 388 | $106K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 305 | $1.9M |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 388 | $151K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 388 | — |
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.