| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAMUAL CRUDO3 | 2900 WEST ROAD SUITE 222 EAST LANSING, MI 48823 | BLUE CARE NETWORK OF MICHIGAN | $31K | $660 | $32K | 2.81% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF INDIANA, LLC. | 3209 W. SMITH VALLEY RD. STE 112 GREENWOOD, IN 46142 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $342 | $3K | 5.62% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OPERATING COMPANY | 6802 PARAGON PL STE 200 RICHMOND, VA 23230 | PRINCIPAL LIFE INSURANCE COMPANY | — | $1K | $1K | 2.10% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: CIA INSURANCE AND RISK MANAGEMENT | 45600 VILLAGE BLVD. SHELBY TOWNSHIP, MI 48315 | PRINCIPAL LIFE INSURANCE COMPANY | $921 | — | $921 | 1.88% |
| CIA FINANCIAL GROUP INC3 | 45600 VILLAGE BOULEVARD SHELBY TOWNSHIP, MI 48315 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| CIA FINANCIAL GROUP INC3 | 45600 VILLAGE BLVD. SHELBY TOWNSHIP, MI 48315 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $705 | $705 | 5.24% |
| CIA FINANCIAL GROUP INC3 | 45600 VILLAGE BOULEVARD SHELBY TOWNSHIP, MI 48315 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $208 | — | $208 | 9.99% |
| CIA FINANCIAL GROUP INC3 | 45600 VILLAGE BLVD. SHELBY TOWNSHIP, MI 48315 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $111 | $111 | 5.33% |
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 | 165 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 148 | $1.1M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 165 | $49K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 165 | $49K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 117 | $16K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 148 | $1.1M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 117 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.