| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EXTERNAL AGENT3 | — | BLUE CARE NETWORK OF MICHIGAN | $16K | — | $16K | 4.41% |
| INTERNAL PLANNING ALL LLC3 Filed as: INTERNAL AGENT | — | BLUE CARE NETWORK OF MICHIGAN | $4K | — | $4K | 1.05% |
| BARKER WEBER INSURANCE AGENCY INC3 Filed as: BARKER WEBER INSURANCE AGENCY | 2501 SPRING ARBOR RD JACKSON, MI 49203 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 6.72% |
| MMA3 Filed as: MMA SERVICES CORP | 620 S CAPITOL AVE LANSING, MI 48933 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5K | $5K | 4.75% |
| BARKER WEBER INSURANCE AGENCY INC3 Filed as: BARKER WEBER INSURANCE AGENCY INC. | PO BOX 985 JACKSON, MI 49204 | METROPOLITAN LIFE INSURANCE COMPANY | $834 | — | $834 | 9.25% |
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 | 192 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 153 | $369K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 192 | $99K |
| Vision(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 153 | $378K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 192 | $99K |
| Stop-loss / reinsurancereinsurance | METROPOLITAN LIFE INSURANCE COMPANY | 192 | $99K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 192 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.