| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KRISTOPHER F POWELL3 | 5925 MERIDIAN BLVD. SUITE 300 BRIGHTON, IL 48116 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $41K | $846 | $42K | 4.61% |
| BENEPRO INC3 Filed as: BENEPRO, INC | 1423 EAST 11 MILE ROAD ROYAL OAK, MI 48067 | DELTA DENTAL PLAN OF MICHIGAN | $6K | — | $6K | 4.76% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS & BLUE SHIELD OF MICHIGA EIN 38-2069753 NONE | Insurance services Service code 23 | P.O. BOX 553914 DETROIT, MI 482553914 | $41K |
| DELTA DENTAL OF MICHIGAN EIN 38-1791480 NONE | Insurance services Service code 23 | 16082 COLLECTION CENTER DR. CHICAGO, IL 606930001 | $6K |
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 | 119 | 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) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | 88 | $909K |
| Dental | DELTA DENTAL PLAN OF MICHIGAN | 100 | $121K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | 88 | $909K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 100 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.