| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KRISTINE SCHEER3 | 33717 WOODWARD AVE #536 BIRMINGHAM, MI 48009 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $25K | $5 | $25K | 0.99% |
| WILSHIRE BENEFITS GROUP INC3 Filed as: WILSHIRE BENEFITS GROUP INC. | 901 WILSHIRE DRIVE SUITE 330 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $9K | — | $9K | 0.36% |
| KRISTINE SCHEER3 | 33717 WOODWARD AVE #536 BIRMINGHAM, MI 48009 | BLUE CARE NETWORK OF MICHIGAN | $14K | — | $14K | 1.02% |
| WILSHIRE BENEFITS GROUP INC3 Filed as: WILSHIRE BENEFITS GROUP INC. | 901 WILSHIRE DRIVE SUITE 330 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $7K | — | $7K | 0.52% |
| KRISTINE SCHEER3 | 33717 WOODWARD AVE #536 BIRMINGHAM, MI 48009 | EXCELLUS HEALTH PLAN, INC. | $11K | — | $11K | 3.12% |
| LIFETIME BENEFIT SOLUTIONS, INC.3 | 2457 STATE ROUTE 7, SUITE 1 PO BOX 340 COBLESKILL, NY 12043 | EXCELLUS HEALTH PLAN, INC. | $5K | — | $5K | 1.56% |
| KRISTINE SCHEER3 | 33717 WOODWARD AVE #536 BIRMINGHAM, MI 48009 | PRINCIPAL LIFE INSURANCE COMPANY | $19K | — | $19K | 6.34% |
| WILSHIRE BENEFITS GROUP INC3 Filed as: WILSHIRE BENEFITS GROUP INC. | 901 WILSHIRE DRIVE, SUITE 330 TROY, MI 48084 | PRINCIPAL LIFE INSURANCE COMPANY | $12K | — | $12K | 4.15% |
| KRISTINE SCHEER3 | 33717 WOODWARD AVE #536 BIRMINGHAM, MI 48009 | DELTA DENTAL OF MICHIGAN | $5K | — | $5K | 3.01% |
| KRISTINE SCHEER3 | 33717 WOODWARD AVE #536 BIRMINGHAM, MI 48009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 10.29% |
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 | 404 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 410 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 418 | $4.2M |
| Dental | DELTA DENTAL OF MICHIGAN | 692 | $177K |
| Vision(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 664 | $2.8M |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 710 | $468K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 710 | $468K |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 710 | $468K |
| Prescription drug(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 418 | $4.2M |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 710 | $468K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 710 | — |
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.