| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL C SPLEET3 | 2900 WEST ROAD STE 222 EAST LANSING, MI 48823 | BLUECROSS BLUESHIELD OF MICHIGAN | $25K | — | $25K | 2.96% |
| STRATEGIC BENEFITS NETWORK LLC3 | 5797 HARVEY STREET STE A NORTON SHORES, MI 49444 | BLUECROSS BLUESHIELD OF MICHIGAN | — | $1K | $1K | 0.15% |
| MICHAEL C SPLEET3 | 2900 WEST ROAD STE 222 EAST LANSING, MI 48823 | BLUECROSS BLUESHIELD OF MICHIGAN | $3K | — | $3K | 3.03% |
| STRATEGIC BENEFITS NETWORK LLC3 | 5797 HARVEY STREET STE A NORTON SHORES, MI 49444 | BLUECROSS BLUESHIELD OF MICHIGAN | — | $139 | $139 | 0.13% |
| FRANKLIN BENEFIT SOLUTIONS3 Filed as: FRANKLIN BENEFIT SOLUTIONS INC. | 2444 EAST HILL RD GRAND BLANC, MI 48439 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 4.71% |
| MICHAEL C SPLEET3 | 2444 EAST HILL RD GRAND BLANC, MI 48439 | KANSAS CITY LIFE INSURANCE COMPANY | $5K | — | $5K | 10.43% |
| FRANKLIN BENEFIT SOLUTIONS3 Filed as: FRANKLIN BENEFIT SOLUTIONS INC. | 2444 EAST HILL RD GRAND BLANC, MI 48439 | DELTA DENTAL OF MICHIGAN | $698 | — | $698 | 4.92% |
| FRANKLIN BENEFIT SOLUTIONS3 Filed as: FRANKLIN BENEFIT SOLUTIONS INC. | 2444 EAST HILL ROAD GRAND BLANC, MI 48439 | EYEMED VISION CARE | $1K | — | $1K | 10.96% |
| MICHAEL C SPLEET3 | 2444 E HILL RD GRAND BLANC, MI 48439 | KANSAS CITY LIFE INSURANCE COMPANY | $619 | — | $619 | 8.18% |
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 | 138 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUECROSS BLUESHIELD OF MICHIGAN | 171 | $953K |
| Dental(2 contracts) | DELTA DENTAL OF MICHIGAN | 155 | $76K |
| Vision | EYEMED VISION CARE | 198 | $13K |
| Life insurance | KANSAS CITY LIFE INSURANCE COMPANY | 138 | $46K |
| Prescription drug(2 contracts) | BLUECROSS BLUESHIELD OF MICHIGAN | 171 | $953K |
| Other(2 contracts) | KANSAS CITY LIFE INSURANCE COMPANY | 138 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.