| 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 | $18K | — | $18K | 2.99% |
| PROADVISOR INSURANCE AGY LLC3 Filed as: PROADVISOR INSURANCE AGENCY LLC | 26555 EVERGREEN RD., SUITE 535 SOUTHFIELD, MI 480768076 | BLUE CARE NETWORK OF MICHIGAN | $657 | — | $657 | 0.11% |
| DENNIS A CAMPBELL3 | 26026 TELEGRAPH RD STE 100 SOUTHFIELD, MI 480338033 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $11K | — | $11K | 2.98% |
| PROADVISOR INSURANCE AGY LLC3 Filed as: PROADVISOR INSURANCE AGENCY LLC | 26555 EVERGREEN RD., SUITE 535 SOUTHFIELD, MI 480768076 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $344 | — | $344 | 0.09% |
| PROADVISOR INSURANCE AGY LLC3 Filed as: PROADVISOR INSURANCE AGENCY LLC | 26555 EVERGREEN, SUITE 535 SOUTHFIELD, MI 48076 | THE GUARDIAN LIFE INSURANCE COMPANY | $31K | $8K | $39K | 15.83% |
| DMC BENEFITS INC | 1485 PRINCE CHARLES AVE WESTLAKE, OH 44145 | THE GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 0.86% |
| RALPH C WILSON AGENCY INC3 | 26026 TELEGRAPH RD STE 100 SOUTHFIELD, MI 48033 | EYEMED VISION CARE/FIDELITY SECURITY LIFE | $2K | — | $2K | 9.83% |
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 | 163 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 163 | $993K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 167 | $245K |
| Vision | EYEMED VISION CARE/FIDELITY SECURITY LIFE | 201 | $17K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY | 167 | $245K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 167 | $245K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 167 | $245K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 201 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.