| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNKNOWN3 | UNKNOWN LANSING, MI 48906 | BLUE CARE NETWORK OF MICHIGAN | $19K | $0 | $19K | 5.22% |
| EDGE INSURANCE GROUP LLC3 Filed as: EDGE INSURANCE GROUP | 5570 WILSON AVENUE SW SUITE D WYOMING, MI 49418 | COMPANION LIFE | $2K | $0 | $2K | 9.88% |
| BENEFIT PROFILES INC3 Filed as: BENEFIT PROFILES INC. | 500 CASCADE WEST PARKWAY SE GRAND RAPIDS, MI 49546 | COMPANION LIFE | $1K | $0 | $1K | 4.44% |
| AGENT ALLIANCE CORPORATION3 | 500 CASCADE WEST PARKWAY SUITE 160 GRAND RAPIDS, MI 49546 | COMPANION LIFE | $92 | $0 | $92 | 0.40% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: AGENT ALLIANT CORPORATION | 500 CASCADE WEST PARKWAY SUITE 160 GRAND RAPIDS, MI 49546 | COMPANION LIFE | $22 | $0 | $22 | 0.10% |
| EDGE INSURANCE GROUP LLC3 Filed as: EDGE INSURANCE GROUP | 126 NORTH BRIDGE STREET DEWITT, MI 48820 | EYEMED VISION CARE | $401 | $0 | $401 | 7.78% |
| EDGE INSURANCE GROUP LLC3 Filed as: EDGE INSURANCE GROUP | 5570 WILSON AVENUE NORTHWEST GRANDVILLE, MI 49418 | EYEMED VISION CARE | $88 | $0 | $88 | 1.71% |
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 | 128 | 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) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 80 | $359K |
| Dental | COMPANION LIFE | 131 | $23K |
| Vision | EYEMED VISION CARE | 48 | $5K |
| Life insurance | COMPANION LIFE | 131 | $23K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 80 | $359K |
| Other | COMPANION LIFE | 131 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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.
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.
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.