| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WALTON AGENCY, INC.3 Filed as: WALTON AGENCY INCORPORATED | PO BOX 3029 2929 SPRING ARBOR ROAD JACKSON, MI 49204 | BLUE CARE NETWORK OF MICHIGAN | $55K | — | $55K | 1.74% |
| ANDREW PIRON3 | 37799 PROFESSIONAL CTR, SUITE #108 LIVONIA, MI 48154 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $63K | — | $63K | 2.97% |
| WALTON AGENCY, INC.3 Filed as: WALTON AGENCY INCORPORATED | PO BOX 3029 2929 SPRING ARBOR ROAD JACKSON, MI 49204 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $5K | — | $5K | 0.24% |
| INSURANCE RESOURCES UNLIMITED INC.3 | 39348 POLO CLUB DR, APT 29-104 FARMINGTON HILLS, MI 483355635 | PRIORITY HEALTH | $7K | — | $7K | 2.00% |
| INSURANCE RESOURCES UNLIMITED INC.3 | 39348 POLO CLUB DR, APT 29-104 FARMINGTON HILLS, MI 483355635 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 1.98% |
| WALTON AGENCY, INC.3 Filed as: WALTON AGENCY INCORPORATED | PO BOX 3029 2929 SPRING ARBOR ROAD JACKSON, MI 49204 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 1.91% |
| ANDREW PIRON3 | 37799 PROFESSIONAL CTR, SUITE #108 LIVONIA, MI 48154 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 0.85% |
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 | 622 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 630 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CARE NETWORK OF MICHIGAN | 894 | $5.6M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 1,441 | $246K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 1,441 | $246K |
| Prescription drug(3 contracts, 3 carriers) | BLUE CARE NETWORK OF MICHIGAN | 894 | $5.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,441 | — |
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."
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.