| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KARL JOSEPH JR RUTH3 | 53225 SAMS LANE CHESTERFIELD, MI 48047 | BLUE CARE NETWORK OF MICHIGAN | $15K | — | $15K | 0.99% |
| PATRICIA SHALL3 Filed as: PATRICIA A. SHALL | 45170 CASS AVENUE UTICA, MI 48317 | BLUE CARE NETWORK OF MICHIGAN | $13K | $2K | $15K | 0.96% |
| KARL JOSEPH JR RUTH3 | 53225 SAMS LANE CHESTERFIELD, MI 48047 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $2K | — | $2K | 0.89% |
| PATRICIA SHALL3 Filed as: PATRICIA A. SHALL | 45170 CASS AVENUE UTICA, MI 48317 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $1K | $71 | $1K | 0.84% |
| KARL JOSEPH JR RUTH3 | 53225 SAMS LANE CHESTERFIELD, MI 48047 | DELTA DENTAL OF MICHIGAN | $4K | — | $4K | 4.03% |
| CREATIVE BENEFITS & INS. SOLUTIONS3 Filed as: CREATIVE BENEFITS & INSUR SOLUTIONS | 45170 CASS AVENUE UTICA, MI 48317 | DELTA DENTAL OF MICHIGAN | $672 | — | $672 | 0.66% |
| KARL JOSEPH JR RUTH3 | 53225 SAMS LANE CHESTERFIELD, MI 48047 | DELTA DENTAL OF MICHIGAN | $1K | — | $1K | 4.02% |
| CREATIVE BENEFITS & INS. SOLUTIONS3 Filed as: CREATIVE BENEFITS & INSUR SOLUTIONS | 45170 CASS AVENUE UTICA, MI 48317 | DELTA DENTAL OF MICHIGAN | $228 | — | $228 | 0.68% |
| KARL JOSEPH JR RUTH3 Filed as: KARL RUTH | 53225 SAMS LANE CHESTERFIELD, MI 48047 | VISION SERVICE PLAN | $766 | — | $766 | 3.90% |
| CREATIVE BENEFITS & INS. SOLUTIONS3 Filed as: CREATIVE BENEFITS & INSUR SOLUTIONS | 45170 CASS AVENUE UTICA, MI 48317 | VISION SERVICE PLAN | $327 | — | $327 | 1.66% |
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 | 374 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 374 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 374 | $1.7M |
| Dental(2 contracts) | DELTA DENTAL OF MICHIGAN | 245 | $136K |
| Vision | VISION SERVICE PLAN | 131 | $20K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 374 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 374 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.