| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KARL JOSEPH JR RUTH3 | 53225 SAMS LANE CHESTERFIELD, MI 48047 | BLUE CARE NETWORK OF MICHIGAN | $61K | — | $61K | 3.58% |
| PATRICIA SHALL3 Filed as: PATRICIA A. SHALL | 45170 CASS AVENUE UTICA, MI 48317 | BLUE CARE NETWORK OF MICHIGAN | $2K | — | $2K | 0.11% |
| KARL JOSEPH JR RUTH3 | 53225 SAMS LANE CHESTERFIELD, MI 48047 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $9K | — | $9K | 3.30% |
| PATRICIA SHALL3 Filed as: PATRICIA A. SHALL | 45170 CASS AVENUE UTICA, MI 48317 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $167 | — | $167 | 0.06% |
| KARL JOSEPH JR RUTH3 | 53225 SAMS LANE CHESTERFIELD, MI 48047 | DELTA DENTAL OF MICHIGAN | $5K | — | $5K | 4.82% |
| CREATIVE BENEFITS & INS. SOLUTIONS3 Filed as: CREATIVE BENEFITS & INSUR SOLUTIONS | 45170 CASS AVENUE UTICA, MI 48317 | DELTA DENTAL OF MICHIGAN | — | — | $0 | 0.00% |
| KARL JOSEPH JR RUTH3 | 53225 SAMS LANE CHESTERFIELD, MI 48047 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 9.51% |
| CREATIVE BENEFITS & INS. SOLUTIONS3 Filed as: CREATIVE BENEFITS & INSUR SOLUTIONS | 45170 CASS AVENUE UTICA, MI 48317 | DELTA DENTAL OF MICHIGAN | — | — | $0 | 0.00% |
| AJM ASSOCIATES INC3 | 53225 SAMS LANE CHESTERFIELD, MI 48047 | VISION SERVICE PLAN | $1K | — | $1K | 5.33% |
| KARL JOSEPH JR RUTH3 Filed as: KARL RUTH | 53225 SAMS LANE CHESTERFIELD, MI 48047 | VISION SERVICE PLAN | $350 | — | $350 | 1.70% |
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 | 347 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 347 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 347 | $2.0M |
| Dental(2 contracts) | DELTA DENTAL OF MICHIGAN | 232 | $132K |
| Vision | VISION SERVICE PLAN | 126 | $21K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 347 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 347 | — |
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.