| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RAYMONT SACKETT3 | 8191 MOORSBRIDGE RD PORTAGE, MI 49024 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $30K | $1K | $32K | 2.10% |
| SACKETT INSURANCE GROUP3 Filed as: SACKETT INS GROUP INC | 8191 MOORSBRIDGE RD PORTAGE, MI 49024 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $20K | $11K | $31K | 23.20% |
| SACKETT INSURANCE GROUP3 Filed as: SACKETT INS GROUP INC | 8191 MOORSBRIDGE RD PORTAGE, MI 49024 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $4K | $12K | 14.17% |
| SACKETT INSURANCE GROUP3 Filed as: SACKETT INS GROUP INC | 8191 MOORSBRIDGE RD PORTAGE, MI 49024 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $2K | $6K | 23.21% |
| SUPERIOR VISION3 | — | SUPERIOR VISION PLAN | $907 | — | $907 | 6.00% |
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 | 245 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 245 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 245 | $1.5M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 158 | $86K |
| Vision | SUPERIOR VISION PLAN | 153 | $15K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 343 | $26K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 261 | $134K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 245 | $1.5M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 343 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 343 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.