| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RENAE GOODMAN3 | 2780 44TH STREET SW WYOMING, MI 49519 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $3K | $0 | $3K | 0.07% |
| OLIVIER VANDYK INSURANCE3 | 2780 44TH STREET SW WYOMING, MI 49519 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $834 | $834 | 0.02% |
| OLIVIER VANDYK INSURANCE3 | 2780 44TH STREET SW WYOMING, MI 49519 | DELTA DENTAL OF MICHIGAN | $10K | $0 | $10K | 7.55% |
| SAGINAW BAY UNDERWRITERS3 Filed as: SAGINAW UNDERWRITERS, INC. | PO BOX 1748 SAGINAW, MI 48605 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | $0 | $7K | 8.34% |
| OLIVIER VANDYK INSURANCE3 | 2780 44TH STREET SW WYOMING, MI 49519 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $4K | $0 | $4K | 9.98% |
| MMA SERVICE CORP3 Filed as: MMA SERVICE CORPORATION | 620 SOUTH CAPITOL AVENUE LANSING, MI 48933 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $915 | $915 | 5.00% |
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 | 131 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 434 | $3.5M |
| Dental | DELTA DENTAL OF MICHIGAN | 441 | $130K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 429 | $41K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 130 | $18K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 132 | $86K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 132 | $86K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 434 | $3.5M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 130 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 441 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.