| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT W KOSKI3 Filed as: ROBERT W. KOSKI | 6001 N. ADAMS ROAD SUITE 201 BLOOMFIELD HILLS, MI 48304 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $26K | $0 | $26K | 2.24% |
| ROBERT W KOSKI3 | 6001 N. ADAMS ROAD SUITE 201 BLOOMFIELD HILLS, MI 48304 | BLUE CARE NETWORK OF MICHIGAN | $4K | $0 | $4K | 2.49% |
| ACTION BENEFITS COMPANY3 | 26533 EVERGREEN ROAD SUITE 400 SOUTHFIELD, MI 48076 | BLUE CARE NETWORK OF MICHIGAN | $962 | — | $962 | 0.65% |
| MCLEOD AGENCY INC3 Filed as: MCLEOD AGENCY INC. | 6001 N. ADAMS ROAD SUITE 201 BLOOMFIELD HILLS, MI 48304 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 10.00% |
| MCLEOD AGENCY INC3 Filed as: MCLEOD AGENCY INC. | 6001 N. ADAMS ROAD SUITE 201 BLOOMFIELD HILLS, MI 48304 | LIFE INSURANCE COMPANY OF NORTH AMERCIA | $3K | $0 | $3K | 10.00% |
| MCLEOD AGENCY INC3 Filed as: MCLEOD AGENCY INC. | 6001 N. ADAMS ROAD SUITE 201 BLOOMFIELD HILLS, MI 48304 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $741 | $0 | $741 | 10.00% |
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 | 172 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 174 | 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 | 119 | $1.3M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 172 | $7K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 172 | $33K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERCIA | 172 | $27K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 119 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.