| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSEPH N HARRIS3 Filed as: JOSEPH HARRIS | P.O. BOX 3029 JACKSON, MI 49204 | BLUE CARE NETWORK OF MICHIGAN | $18K | — | $18K | 2.91% |
| THOMAS MCGRAW3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $7K | — | $7K | 1.21% |
| GROTENHUIS3 | P.O. BOX 140167 GRAND RAPIDS, MI 49514 | BLUE CARE NETWORK OF MICHIGAN | — | $4K | $4K | 0.69% |
| ACTION BENEFITS COMPANY3 Filed as: ACTION BENEFITS | 26533 EVERGREEN RD., SUITE 400 SOUTHFIELD, MI 48076 | BLUE CARE NETWORK OF MICHIGAN | — | $2K | $2K | 0.26% |
| JOSEPH H. HARRIS3 | P.O. BOX 3029 JACKSON, MI 49204 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $3K | $174 | $3K | 3.98% |
| THOMAS MCGRAW3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $682 | — | $682 | 0.85% |
| WALTON AGENCY, INC.3 Filed as: WALTON AGENCY INC | PO BOX 3029 JACKSON, MI 49204 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 8.81% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | SUN LIFE ASSURANCE COMPANY OF CANADA | $962 | — | $962 | 4.32% |
| UNITED BENEFITS ADVISORS INC3 Filed as: UNITED BENEFITS ADVISORS INC. | 10 WUNSHINE LN RED LION, PA 17356 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $41 | $41 | 0.18% |
| WALTON AGENCY, INC.3 Filed as: WALTON AGENCY INC | PO BOX 3029 JACKSON, MI 49204 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 6.58% |
| MARSH & MCLENNAN AGENCY LLC2 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | SUN LIFE ASSURANCE COMPANY OF CANADA | $609 | — | $609 | 3.42% |
| UNITED BENEFITS ADVISORS INC3 Filed as: UNITED BENEFITS ADVISORS INC. | 10 WUNSHINE LN RED LION, PA 17356 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $34 | $34 | 0.19% |
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 | 123 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 157 | $612K |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 184 | $80K |
| Vision | BLUE CARE NETWORK OF MICHIGAN | 157 | $612K |
| Life insurance(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 123 | $40K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 123 | $22K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 157 | $612K |
| Other(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 123 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.