| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RYAN A COLVIN3 | PO BOX 11177 SOUTH BEND, MI 46634 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $21K | — | $21K | 1.86% |
| MICHAEL DILORENZO3 | 59259 VAN DYKE WASHINGTON TOWNSHIP, MI 48094 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $15K | — | $15K | 1.32% |
| MICHIGAN PLANNERS, INC.3 | 59259 VAN DYKE AVENUE WASHINGTON TOWNSHIP, MI 48094 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $874 | $874 | 0.08% |
| RYAN A COLVIN3 | PO BOX 11177 SOUTH BEND, MI 46634 | BLUE CARE NETWORK OF MICHIGAN | $14K | — | $14K | 1.68% |
| MICHAEL DILORENZO3 | 59259 VAN DYKE WASHINGTON TOWNSHIP, MI 48094 | BLUE CARE NETWORK OF MICHIGAN | $13K | — | $13K | 1.50% |
| MICHIGAN PLANNERS, INC.3 | 59259 VAN DYKE AVENUE WASHINGTON TOWNSHIP, MI 48094 | BLUE CARE NETWORK OF MICHIGAN | — | $1K | $1K | 0.13% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANEERS INC | 59259 VAN DYKE AVENUE WAHINGTON, MI 48094 | STANDARD INSURANCE COMPANY | $17K | — | $17K | 11.44% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC | PO BOX 11177 SOUTH BEND, MI 46634 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 6.26% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC | 59259 VAN DYKE WASHINGTON TOWNSHIP, MI 48094 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $6K | $8K | 8.76% |
| GIBSON INSURANCE AGENCY, INC.3 | 333 EAST JEFFERSON STREET LOUIS BOULEVARD PLYMOUTH, IN 46563 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.21% |
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 | 209 | 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) | 211 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 182 | $2.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 154 | $96K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 154 | $96K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 209 | $245K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 209 | $245K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 209 | $245K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 182 | $2.0M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 154 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.