| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEVE T MATTAR3 Filed as: STEVE T. MATTAR | 30600 NORTHWESTERN HIGHWAY SUITE 200 FARMINGTON HILLS, MI 48334 | BLUE CARE NETWORK OF MICHIGAN | $39K | — | $39K | 2.95% |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSO LLC | 30600 NORTHWESTERN HIGHWAY SUITE 200 FARMINGTON HILLS, MI 48334 | BLUE CARE NETWORK OF MICHIGAN | — | $1K | $1K | 0.10% |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSOCIATES, LL | 30600 NORTHWESTERN HIGHWAY SUITE 200 FARMINGTON HILLS, MI 48334 | PRINCIPAL LIFE INSURANCE COMPANY | $19K | $9K | $28K | 13.34% |
| CENTRO BENEFITS RESEARCH LLC3 | 200 GALLERIA PARKWAY SOUTHEAST SUITE 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | — | $7K | $7K | 3.26% |
| STHEALTH BENEFIT SOLUTIONS LLC3 | 18700 NORTH HAYDEN ROAD SUITE 405 SCOTTSDALE, AZ 85255 | PRINCIPAL LIFE INSURANCE COMPANY | — | $4K | $4K | 1.89% |
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 | 137 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 246 | $1.3M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 130 | $213K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 130 | $213K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 130 | $213K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 130 | $213K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 130 | $213K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 246 | $1.3M |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 130 | $213K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.