| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DENNIS A CAMPBELL3 | 26026 TELEGRAPH RD STE 100 SOUTHFIELD, MI 480338033 | BLUE CARE NETWORK OF MICHIGAN | $19K | — | $19K | 2.39% |
| RALPH C WILSON AGENCY INC3 Filed as: RALPH C WILSON AGENCY INC. | 26026 TELEGRAPH RD STE 100 SOUTHFIELD, MI 480338033 | BLUE CARE NETWORK OF MICHIGAN | $797 | — | $797 | 0.10% |
| DENNIS A CAMPBELL3 | 26026 TELEGRAPH RD STE 100 SOUTHFIELD, MI 480338033 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $15K | — | $15K | 2.15% |
| RALPH C WILSON AGENCY INC3 Filed as: RALPH C WILSON AGENCY INC. | 26026 TELEGRAPH RD STE 100 SOUTHFIELD, MI 480338033 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $554 | — | $554 | 0.08% |
| RALPH C WILSON AGENCY INC3 | 26026 TELEGRAPH RD STE 100 SOUTHFIELD, MI 480332560 | THE GUARDIAN LIFE INSURANCE COMPANY | $32K | — | $32K | 12.30% |
| RALPH C WILSON AGENCY INC3 | 26026 TELEGRAPH RD STE 100 SOUTHFIELD, MI 48033 | EYEMED VISION CARE/FIDELITY SECURITY LIFE | $2K | — | $2K | 10.01% |
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 | 200 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 200 | $1.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 198 | $263K |
| Vision | EYEMED VISION CARE/FIDELITY SECURITY LIFE | 251 | $20K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY | 198 | $263K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 198 | $263K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 198 | $263K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 251 | — |
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."
No prospect flags tripped on this filing.