| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NICHOLAS SCHILLING3 | 400 W 4TH STREET SUITE 300 ROYAL OAK, MI 48067 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $47K | $0 | $47K | 2.62% |
| SCOTT SETTLE3 | 2600 W BIG BEAVER RD SUITE 140 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $5K | $0 | $5K | 0.26% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICE LLC STOCKTON CONCOR | 3333 DEPOSIT DRIVE NE SUITE 230 GRAND RAPIDS, MI 49546 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $2K | $2K | 0.10% |
| NICHOLAS SCHILLING3 | 400 W 4TH STREET SUITE 300 ROYAL OAK, MI 48073 | BLUE CARE NETWORK OF MICHIGAN | $38K | $0 | $38K | 2.71% |
| SCOTT SETTLE3 | 2600 W BIG BEAVER RD SUITE 140 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $4K | $0 | $4K | 0.26% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SVC LLC STOCKTON CONCORD | 3333 DEPOSIT DRIVE NE SUITE 230 GRAND RAPIDS, MI 49546 | BLUE CARE NETWORK OF MICHIGAN | $0 | $2K | $2K | 0.12% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP INC. | 400 W 4TH STREET SUITE 300 ROYAL OAK, MI 48067 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $0 | $15K | 9.95% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SVC LLC-MIDWEST | PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $11K | $14K | 9.41% |
| UNITED OF OMAHA LIFE INSURANCE CO5 Filed as: UNITED OF OMAHA LIFE INSURANCE CPY | MUTUAL OF OMAHA PLAZA OMAHA, NE 68175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $6K | $6K | 3.89% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP INC. | 400 W 4TH STREET SUITE 300 ROYAL OAK, MI 48067 | DELTA DENTAL OF MICHIGAN | $5K | $0 | $5K | 3.66% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SVC LLC SCITT SETTLE | 100 SUMMIT LAKE DRIVE SUITE 400 VALHALLA, NY 10595 | DELTA DENTAL OF MICHIGAN | $998 | $278 | $1K | 0.96% |
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 | 306 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 68 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 376 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 370 | $3.2M |
| Dental | DELTA DENTAL OF MICHIGAN | 411 | $133K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 370 | $1.8M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 308 | $150K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 308 | $150K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 308 | $150K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 370 | $3.2M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 308 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 411 | — |
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.