| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SIMON DYSON3 | 18278 WOODBURY CT NORTHVILLE, MI 48168 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $16K | — | $16K | 1.80% |
| GEOFFREY B FINGER3 | 1241 KENSINGTON AVE GROSS POINT PARK, MI 48230 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $14K | — | $14K | 1.61% |
| HUNTINGTON INSURANCE INC3 | 519 MADISON AVE TOLEDO, OH 43604 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $644 | $644 | 0.07% |
| SIMON DYSON3 | 18278 WOODBURY CT NORTHVILLE, MI 48168 | BLUE CARE NETWORK OF MICHIGAN | $9K | — | $9K | 1.83% |
| GEOFFREY B FINGER3 | 1241 KENSINGTON AVE GROSS POINT PARK, MI 48230 | BLUE CARE NETWORK OF MICHIGAN | $6K | — | $6K | 1.37% |
| HUNTINGTON INSURANCE INC3 | 519 MADISON AVENUE TOLEDO, OH 43604 | BLUE CARE NETWORK OF MICHIGAN | — | $460 | $460 | 0.10% |
| SIMON DYSON3 | 221 S CHURCH ST BOWLING GREEN, OH 43402 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 3.16% |
| GEOFFREY FINGER3 | 221 S CHURCH ST BOWLING GREEN, OH 43402 | DELTA DENTAL OF MICHIGAN | $2K | — | $2K | 2.85% |
| HUNTINGTON INSURANCE INC3 | 37 W BROAD ST 7TH FLOOR COLUMBUS, OH 43215 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| HUNTINGTON INSURANCE INC3 | 37 W BROAD ST 7TH FL COLUMBUS, OH 43215 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| HUNTINGTON INSURANCE INC3 | 37 W BROAD ST 7TH FLOOR COLUMBUS, OH 43215 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| HUNTINGTON INSURANCE INC3 | 221 S CHURCH ST BOWLING GREEN, OH 43402 | STARMOUNT LIFE INSURANCE COMPANY | $1K | — | $1K | 10.01% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN, INC | PO BOX 9201 AUSTIN, TX 78766 | STARMOUNT LIFE INSURANCE COMPANY | — | $560 | $560 | 5.01% |
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 | 154 | 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) | 154 | 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 | 147 | $1.3M |
| Dental | DELTA DENTAL OF MICHIGAN | 224 | $83K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 103 | $11K |
| Life insurance | STANDARD INSURANCE COMPANY | 154 | $27K |
| Short-term disability | STANDARD INSURANCE COMPANY | 154 | $32K |
| Long-term disability | STANDARD INSURANCE COMPANY | 32 | $12K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 147 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.