| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANGELA GARNER3 | 1605 CONCENTRIC BLVD STE 1 SAGINAW, MI 48604 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $166K | $0 | $166K | 1.24% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN | 1605 CONCENTRIC BLVD STE 2 SAGINAW, MI 48604 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $10K | $10K | 0.08% |
| ANGELA GARNER3 | 1605 CONCENTRIC BLVD STE 1 SAGINAW, MI 48604 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $2K | $0 | $2K | 2.35% |
| HUB INTERNATIONAL MIDWEST LIMITED0 Filed as: HUB INTERNATIONAL MIDWEST LTD | 2118 N TYLER BLDG C WICHITA, KS 67212 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 20.00% |
| HUB INTERNATIONAL MIDWEST LIMITED0 | 6100 YALE AVE STE 1900 TULSA, OK 74136 | LEADERS LIFE INSURANCE COMPANY | $361 | $0 | $361 | 15.00% |
| BAFFIN BAY MARKETING GROUP, LLC0 Filed as: BAFFIN BAY MARKETING | PO BOX 161690 AUSTIN, TX 78716 | LEADERS LIFE INSURANCE COMPANY | $361 | $0 | $361 | 15.00% |
| PROFESSIONAL BENEFIT SERVICES, INC.0 Filed as: PROFESSIONAL BENEFIT SERVICES | 5300 PATTERSON AVE SE STE 150 GRAND RAPIDS, MI 49512 | PROFESSIONAL BENEFITS SERVICES, DBA VARIPRO | $0 | $53K | $53K | — |
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 | 1,086 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 53 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 2,069 | $13.5M |
| Dental | DELTA DENTAL OF MICHIGAN | 2,377 | $762K |
| Vision | EYEMED VISION CARE | 2,071 | $132K |
| Life insurance(3 contracts, 3 carriers) | FARM BUREAU LIFE INSURANCE COMPANY OF MICHIGAN | 1,086 | $1.1M |
| Long-term disability | PRUDENTIAL | 1,076 | $469K |
| Prescription drug(2 contracts) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 2,069 | $13.5M |
| Other(5 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 865 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,377 | — |
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."
No prospect flags tripped on this filing.