| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARVEY L LEE3 | 5151 GATEWAY CENTRE S200 FLINT, MI 485078507 | BLUE CARE NETWORK OF MICHIGAN | $22K | — | $22K | 4.94% |
| TOTAL BENEFIT SYSTEMS INC3 Filed as: TOTAL BENEFIT SYSTEMS, INC. | 5151 GATEWAY CENTRE S200 FLINT, MI 485078507 | BLUE CARE NETWORK OF MICHIGAN | — | $1K | $1K | 0.25% |
| HARVEY L LEE3 | 5151 GATEWAY CENTRE S200 FLINT, MI 485078507 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $4K | — | $4K | 5.02% |
| TOTAL BENEFIT SYSTEMS INC3 Filed as: TOTAL BENEFIT SYSTEMS, INC. | 5151 GATEWAY CENTRE S200 FLINT, MI 485078507 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $52 | $52 | 0.06% |
| TOTAL BENEFIT SYSTEMS INC3 Filed as: TOTAL BENEFIT SYSTEMS, INC. | 5151 GATEWAY CENTRE S200 FLINT, MI 485078507 | GUARDIAN | $3K | — | $3K | 11.45% |
| ENROLLEASE3 Filed as: ENROLLEASE INC. | 660 YORK STREET, SUITE 102 SAN FRANCISCO, CA 94110 | GUARDIAN | $294 | — | $294 | 1.09% |
| DAILYFEATS INC.3 Filed as: DAILYFEATS INC | 131 TREMONT STREET 3RD FLOOR BOSTON, MA 02111 | GUARDIAN | — | — | $0 | 0.00% |
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 | 122 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 109 | $529K |
| Dental | GUARDIAN | 122 | $27K |
| Vision | GUARDIAN | 122 | $27K |
| Life insurance | GUARDIAN | 122 | $27K |
| Long-term disability | GUARDIAN | 122 | $27K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 109 | $529K |
| Other | GUARDIAN | 122 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 122 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.