| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LISA A PERRI3 Filed as: LISA A CLARK | 307 UNIVERSITY N #3 S1500 MOBILE, AL 36688 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $41K | $1K | $43K | 4.71% |
| DAILY ACCESS HEALTH & WELFARE3 | 307 UNIVERSITY BLVD N BLDG 3 MOBILE, AL 36688 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 20.00% |
| DAILY ACCESS HEALTH & WELFARE3 | 307 UNIVERSITY BLVD N BLDG 3 MOBILE, AL 36688 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| DAILY ACCESS HEALTH & WELFARE3 | SERVICES LLC 7015 COLLEGE BLVD, STE 200 OVERLAND PARK, KS 66211 | NATIONAL VISION ADMINISTRATORS, LLC | $1K | — | $1K | 15.00% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP, LLC | 101 WEST BIG BEAVER, SUITE 600 TROY, MI 48084 | NATIONAL VISION ADMINISTRATORS, LLC | $327 | — | $327 | 3.48% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BCI ADMINISTRATORS, INC. THIRD PARTY ADMINISTRATOR | Direct payment from the plan; Contract Administrator; Claims processing; Insurance services; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | PO BOX 250878 WEST BLOOMFIELD, MI 48325 | $12K |
| BCI ADMINISTRATORS | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $2K |
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 | 129 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 290 | $909K |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 251 | $9K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 129 | $34K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 129 | $14K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 129 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 290 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.