| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DENNIS A CAMPBELL3 | 26026 TELEGRAPH RD STE 100 SOUTHFIELD, MI 480332560 | BLUE CARE NETWORK OF MICHIGAN | $19K | — | $19K | 2.43% |
| ACTION BENEFITS COMPANY3 | 26533 EVERGREEN RD SUITE 400 SOUTHFIELD, MI 480768076 | BLUE CARE NETWORK OF MICHIGAN | $8K | — | $8K | 1.02% |
| RALPH C WILSON AGENCY INC3 | 26026 TELEGRAPH RD STE 100 SOUTHFIELD, MI 480332560 | BLUE CARE NETWORK OF MICHIGAN | — | $313 | $313 | 0.04% |
| DENNIS A CAMPBELL3 | 26026 TELEGRAPH RD STE 100 SOUTHFIELD, MI 480332560 | BLUE CROSS AND BLUE SHIELD OF MI | $10K | — | $10K | 2.48% |
| ACTION BENEFITS COMPANY3 | 26533 EVERGREEN RD SUITE 400 SOUTHFIELD, MI 480768076 | BLUE CROSS AND BLUE SHIELD OF MI | $5K | — | $5K | 1.11% |
| RALPH C WILSON AGENCY INC3 | 26026 TELEGRAPH RD STE 100 SOUTHFIELD, MI 480332560 | BLUE CROSS AND BLUE SHIELD OF MI | — | $185 | $185 | 0.04% |
| RALPH C WILSON AGENCY INC3 | 26026 TELEGRAPH RD STE 100 SOUTHFIELD, MI 480332560 | THE GUARDIAN LIFE INSURANCE COMPANY | $16K | — | $16K | 11.34% |
| RALPH C WILSON AGENCY INC3 | 26026 TELEGRAPH RD STE 100 SOUTHFIELD, MI 480332560 | EYEMED VISION CARE/FIDELITY SECURITY LIFE | $1K | — | $1K | 9.82% |
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 | 288 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 288 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 189 | $1.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 143 | $143K |
| Vision | EYEMED VISION CARE/FIDELITY SECURITY LIFE | 187 | $13K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY | 143 | $143K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 143 | $143K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 143 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 189 | — |
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.