| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL SPLEET3 Filed as: MICHAEL C SPLEET | 2900 WEST ROAD SUITE 222 EAST LANSING, MI 488238823 | BLUE CARE NETWORK OF MICHIGAN | $31K | — | $31K | 4.16% |
| ACTION BENEFITS COMPANY3 | 26533 EVERGREEN ROAD SUITE 400 SOUTHFIELD, MI 480768076 | BLUE CARE NETWORK OF MICHIGAN | $8K | — | $8K | 1.01% |
| STRATEGIC BENEFITS NETWORK LLC3 | 2900 WEST ROAD SUITE 222 EAST LANSING, MI 488238823 | BLUE CARE NETWORK OF MICHIGAN | — | $4K | $4K | 0.48% |
| MICHAEL SPLEET3 Filed as: MICHAEL C SPLEET | 2900 WEST ROAD SUITE 222 EAST LANSING, MI 488238823 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $3K | — | $3K | 4.26% |
| ACTION BENEFITS COMPANY3 | 26533 EVERGREEN ROAD SUITE 400 SOUTHFIELD, MI 480768076 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $825 | — | $825 | 1.03% |
| STRATEGIC BENEFITS NETWORK LLC3 | 2900 WEST ROAD SUITE 222 EAST LANSING, MI 488238823 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $314 | $314 | 0.39% |
| FRANKLIN BENEFIT SOLUTIONS3 Filed as: FRANKLIN BENEFIT SOLUTIONS, INC. | 2444 E HILL ROAD GRAND BLANC, MI 48439 | AMERICAN UNITED LIFE INSURANCE COMPANY | $4K | — | $4K | 9.90% |
| FRANKLIN BENEFIT SOLUTIONS3 Filed as: FRANKLIN BENEFIT SOLUTIONS, INC. | MICHAEL SPLEET 2444 E HILL ROAD GRAND BLANC, MI 48439 | DELTA DENTAL OF MICHIGAN | $1K | — | $1K | 5.66% |
| FRANKLIN BENEFIT SOLUTIONS3 Filed as: FRANKLIN BENEFIT SOLUTIONS INC. | 2444 EAST HILL ROAD GRAND BLANC, MI 484395098 | EYE MED | $1K | — | $1K | 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 | 115 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 155 | $826K |
| Dental | DELTA DENTAL OF MICHIGAN | 81 | $20K |
| Vision | EYE MED | 168 | $11K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 177 | $36K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 177 | $36K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 19 | $80K |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 177 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 177 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.