| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADAM P LESPERANCE3 | 148 E GRAND RIVER RD WILLIAMSTON, MI 48895 | BLUE CARE NETWORK OF MICHIGAN | $38K | — | $38K | 2.72% |
| ADAM P LESPERANCE3 | 148 E GRAND RIVER RD WILLIAMSTON, MI 48895 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $6K | — | $6K | 2.94% |
| CAPITAL ASSET INS SVCS3 | 148 E GRAND RIVER RD WILLIAMSTON, MI 48895 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 5.81% |
| CAPITAL ASSET INS SVCS3 | 148 E GRAND RIVER RD WILLIAMSTON, MI 48895 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| CAPITAL ASSET INS SVCS3 | 148 E GRAND RIVER RD WILLIAMSTON, MI 48895 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
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 | 119 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 185 | $1.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 246 | $117K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 246 | $117K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 119 | $23K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 119 | $35K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 246 | $117K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 185 | $1.6M |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 119 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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.