| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JUSTIN W SPEWOCK3 | 915 N MICHIGAN AVENUE HOWELL, MI 48843 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $28K | — | $28K | 2.97% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES, INC. | 625 KENMOOR AVE SUITE 200 GRAND RAPIDS, MI 49546 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | — | $1K | $1K | 0.14% |
| BALLARD BENEFIT WORKS3 Filed as: BALLARD BENEFIT WORKS INC | 915 N MICHIGAN AVE HOWELL, MI 48843 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $871 | — | $871 | 2.73% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE | PO BOX 632886 ATTN COMMISSIONS CINCINNATI, OH 45263 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $238 | $238 | 2.03% |
| BALLARD BENEFIT WORKS3 Filed as: BALLARD BENEFIT WORKS INC | 915 N MICHIGAN AVE HOWELL, MI 48843 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $200 | -$238 | -$38 | -0.32% |
| BALLARD BENEFIT WORKS3 Filed as: BALLARD BENEFIT WORKS INC | 915 N MICHIGAN AVE HOWELL, MI 48843 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $56 | — | $56 | 1.70% |
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 | 167 | 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) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | 211 | $944K |
| Dental | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | 211 | $944K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 167 | $35K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 166 | $12K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | 211 | $944K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 166 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.