| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARC J LASCESKI3 Filed as: MARC J. LASCESKI | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 441144114 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $45K | $4K | $50K | 4.42% |
| ACTION BENEFITS COMPANY3 | 26533 EVERGREEN RD STE 400 SOUTHFIELD, MI 480768076 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $4K | $0 | $4K | 0.33% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVE E CLEVELAND, OH 44114 | DELTA DENTAL PLAN OF MICHIGAN | $1K | — | $1K | 1.00% |
| BENEPRO INC3 Filed as: BENEPRO, INC | 1025 N. CAMPBELL RD ROYAL OAK, MI 48067 | DELTA DENTAL PLAN OF MICHIGAN | $409 | — | $409 | 0.39% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD CO | 1100 SUPERIOR AVE E STE 1500 CLEVELAND, OH 441142544 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 13.19% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD CO | 1100 SUPERIOR AVE E STE 1500 CLEVELAND, OH 441142544 | METROPOLITAN LIFE INSURANCE COMPANY | $383 | $0 | $383 | 0.91% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 NONE | Insurance services Service code 23 | P.O BOX 674416 DETROIT, MI 482674416 | $0 |
| DELTA DENTAL OF MICHIGAN EIN 38-1791480 NONE | Insurance services Service code 23 | 16082 COLLECTION CENTER DR. CHICAGO, IL 606930001 | $0 |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 NONE | Insurance services Service code 23 | P.O BOX 804466 KANSAS CITY, MO 641804466 | $0 |
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 | 124 | 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) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 240 | $1.1M |
| Dental | DELTA DENTAL PLAN OF MICHIGAN | 254 | $104K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 222 | $42K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 222 | $42K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 222 | $42K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 240 | $1.1M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 222 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.