| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAUL J. FREIHOFER3 Filed as: THE PAUL GOEBEL GROUP | 161 OTTAWA AVE. N.W. SUITE 301 GRAND RAPIDS, MI 49503 | HARTFORD LIFE AND ACCIDENTAL INSURANCE COMPANY | $26K | $0 | $26K | 7.11% |
| PAUL J. FREIHOFER3 Filed as: THE PAUL GOEBEL GROUP | 161 OTTAWA AVE. N.W. SUITE 301 GRAND RAPIDS, MI 49503 | EXPRESS SCRIPTS, INC. | $8K | $0 | $8K | 3.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MULTI-EMPLOYER BENEFIT PLAN ADMINIS EIN 38-2278726 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 332 LAKE FOREST ROAD ROCHESTER HILLS, MI 483092234 | $22K |
| THE SEGAL COMPANY EIN 13-1975124 ACTUARY | Actuarial Service code 11 | 101 NORTH WACKER DRIVE CHICAGO, IL 60606 | $7K |
| CARNAGHI & SCHWARK, P.L.L.C. EIN 46-1506714 AUDITOR | Accounting (including auditing) Service code 10 | 30435 GROESBECK HIGHWAY ROSEVILLE, MI 48066 | $7K |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 132 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Prescription drug | EXPRESS SCRIPTS, INC. | 132 | $258K |
| Other | HARTFORD LIFE AND ACCIDENTAL INSURANCE COMPANY | 132 | $363K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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.