| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HANS W BRIEDEN3 | 1100 SUPERIOR AVE. 1500 CLEVELAND, OH 44144 | BLUE CARE NETWORK OF MICHIGAN | $29K | — | $29K | 4.04% |
| BRIEDEN CONSULTING GROUP3 Filed as: BRIEDEN CONSULTING GROUP INC | 19810 MACK AVE. GROSSE POINTE WOODS, MI 48236 | BLUE CARE NETWORK OF MICHIGAN | — | $354 | $354 | 0.05% |
| HANS W BRIEDEN3 | 11 SUPERIOR AVE., 1500 CLEVELAND, OH 44144 | BLUE CROSS BLUE OF MICHIGAN | $17K | — | $17K | 4.03% |
| BRIEDEN CONSULTING GROUP3 | 19810 MACK AVENUE GROSSE PTE. WOODS, MI 48236 | BLUE CROSS BLUE OF MICHIGAN | — | $186 | $186 | 0.04% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD CO. | 1100 SUPERIOR AVE., 1500 CLEVELAND, OH 44144 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 5.01% |
| BRIEDEN CONSULTING GROUP3 Filed as: BRIEDEN CONSULTING GROUP, INC | 17000 KERCHEVAL AVE. 210 GROSSE POINTE WOODS, MI 48230 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 4.97% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANY | 1100 SUPERIOR AVE. CLEVELAND, OH 44144 | UNUM LIFE INS. COMPANY OF AMERICA | $4K | $137 | $5K | 13.56% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH | 325 N KIRKWOOD RD, STE 300 KIRKWOOD, MO 63122 | UNUM LIFE INS. COMPANY OF AMERICA | — | $2K | $2K | 5.45% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANY | 1100 SUPERIOR AVE. 1500 CLEVELAND, OH 44144 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $39 | $2K | 16.75% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH | 325 N KIRKWOOD RD, STE 300 KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $512 | $512 | 5.45% |
| BRIEDEN CONSULTING GROUP3 | 17000 KERCHEVAL, STE. 210 GROSSE POINTE, MI 48230 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INS. CO | $520 | — | $520 | 6.49% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD COMPANY | 17000 KERCHEVAL, STE. 210 GROSSE POINTE, MI 48230 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INS. CO | $274 | — | $274 | 3.42% |
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 | 147 | 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) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 123 | $1.1M |
| Dental | DELTA DENTAL OF MICHIGAN | 147 | $56K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INS. CO | 116 | $8K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INS. COMPANY OF AMERICA | 106 | $43K |
| Long-term disability | UNUM LIFE INS. COMPANY OF AMERICA | 106 | $33K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 123 | $1.1M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INS. COMPANY OF AMERICA | 106 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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.