| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHORELINE INSURANCE AGENCY3 | 875 W. BROADWAY MUSKEGON, MI 49441 | BLUE CARE NETWORK OF MICHIGAN | $33K | — | $33K | 3.05% |
| MARINO INSURANCE3 | 3196 KRAFT AVE. SE STE 101 GRAND RAPIDS, MI 49512 | COMPANION LIFE INSURANCE COMPANY | $5K | $5 | $5K | 5.18% |
| BENEFIT PROFILES INC3 | 500 CASCADE WEST PKWY SE GRAND RAPIDS, MI 49546 | COMPANION LIFE INSURANCE COMPANY | $3K | $5 | $3K | 2.59% |
| SHORELINE INSURANCE AGENCY3 | 875 W. BROADWAY MUSKEGON, MI 49441 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $1K | — | $1K | 1.99% |
| SHORELINE INSURANCE AGENCY3 | 875 W. BROADWAY MUSKEGON, MI 49441 | VISION SERVICE PLAN | $753 | — | $753 | 7.30% |
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 | 247 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 256 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 286 | $1.1M |
| Dental | COMPANION LIFE INSURANCE COMPANY | 247 | $98K |
| Vision | VISION SERVICE PLAN | 99 | $10K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 247 | $98K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 286 | $1.1M |
| Other | COMPANION LIFE INSURANCE COMPANY | 247 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 286 | — |
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.