| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSEPH N HARRIS3 Filed as: JOSEPH HARRIS | PO BOX 3029 JACKSON, MI 49204 | BLUE CARE NETWORK | $27K | $2K | $29K | 2.93% |
| RYAN J. HARRIS3 Filed as: RYAN HARRIS | 2929 SPRING ARBOR ROAD JACKSON, MI 49203 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $4K | — | $4K | 2.41% |
| JOSEPH N HARRIS3 Filed as: JOSEPH HARRIS | PO BOX 3029 JACKSON, MI 49204 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $3K | — | $3K | 1.84% |
| WALTON AGENCY, INC.3 Filed as: WALTON AGENCY INC | PO BOX 3029 JACKSON, MI 49204 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $86 | $86 | 0.06% |
| WALTON AGENCY, INC. Filed as: WALTON AGENCY | 2929 SPRING ARBOR ROAD JACKSON, MI 49203 | MICHIGAN MANUFACTURER'S ASSN | $4K | — | $4K | 10.04% |
| MICHIGAN CHAMBER SERVICES, INC. Filed as: MICHIGAN MANUFACTURER'S ASSN. | 620 S CAPITOL AVE LANSING, MI 48933 | MICHIGAN MANUFACTURER'S ASSN | — | $2K | $2K | 5.00% |
| WALTON AGENCY, INC. Filed as: WALTON AGENCY | 2929 SPRING ARBOR ROAD JACKSON, MI 49203 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 9.98% |
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 | 129 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK | 295 | $1.1M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 295 | $149K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK | 295 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 295 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.