| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEVIN MANNOR3 | 2205 TRAUTNER DR STE 202 SAGINAW, MI 48604 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $37K | — | $37K | 3.50% |
| STRATEGIC BENEFITS NETWRORK LLC3 | 2900 WEST ROAD STE 222 EAST LANSING, MI 48823 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $2K | $2K | 0.14% |
| KEVIN MANNOR3 | 2205 TRAUTNER DR SAGINAW, MN 48604 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 4.74% |
| MANOR FINANCIAL GROUP3 | 2205 TRAUTNER DR STE 202 SAGINAW, MI 48604 | AMERICAN UNITED LIFE INSURANCE COMPANY | $3K | — | $3K | 8.04% |
| MANNOR FINANCIAL GROUP3 | 2205 TRAUTNER DR #202 SAGINAW, MI 48604 | VISION SERVICE PLAN | $1K | — | $1K | 5.13% |
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 CROSS BLUE SHIELD OF MICHIGAN | 295 | $1.1M |
| Dental | DELTA DENTAL OF MICHIGAN | 194 | $68K |
| Vision | VISION SERVICE PLAN | 108 | $24K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 145 | $43K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 145 | $43K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 295 | $1.1M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 295 | $1.1M |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 145 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 295 | — |
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.