| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VANESSA L VOWLES3 | PO BOX 948 HENRIETTA, NY 144874487 | BLUE CARE NETWORK OF MICHIGAN | $23K | — | $23K | 1.90% |
| RANDALL S BOSS3 | PO BOX 349 JENISON, MI 494290349 | BLUE CARE NETWORK OF MICHIGAN | $6K | — | $6K | 0.49% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGY INC | 29065 CABOT DR STE 100 NOVI, MI 483778377 | BLUE CARE NETWORK OF MICHIGAN | — | $2K | $2K | 0.17% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY INC. | PO BOX 948 HENRIETTA, NY 144670948 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $1K | $10K | 8.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $2K | $9K | 7.08% |
| OTTAWA KENT INSURANCE3 | PO BOX 349 JENISON, MI 494290349 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 5.59% |
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 | 255 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 255 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 255 | $1.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 505 | $129K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 505 | $129K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 505 | $129K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 255 | $1.2M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 505 | $129K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 505 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.