| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL SPLEET3 | 2444 EAST HILL ROAD GRAND BLANC, MI 48439 | PRIORITY HEALTH | $35K | — | $35K | 4.00% |
| MICHAEL SPLEET3 | 2444 EAST HILL ROAD GRAND BLANC, MI 48439 | PRIORITY HEALTH INSURANCE COMPANY | $5K | — | $5K | 4.00% |
| FRANKLIN BENEFIT SOLUTIONS3 Filed as: FRANKLIN BENEFIT SOLUTIONS, INC | 2444 E HILL ROAD GRAND BLANC, MI 48439 | TOTAL HEALTH CARE USA, INC. | $5K | — | $5K | 4.48% |
| FRANKLIN BENEFIT SOLUTIONS3 Filed as: FRANKLIN BENEFIT SOLUTIONS, INC. | MICHAEL SPLEET 2444 E HILL ROAD GRAND BLANC, MI 48439 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 5.65% |
| FRANKLIN BENEFIT SOLUTIONS3 | MICHAEL SPLEET 2444 E. HILL ROAD GRAND BLANC, MI 48439 | DELTA DENTAL OF MICHIGAN | $1K | — | $1K | 5.71% |
| FRANKLIN BENEFIT SOLUTIONS3 | 2444 E HILL ROAD GRAND BLANC, MI 48439 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $457 | $2K | 13.68% |
| FRANKLIN BENEFIT SOLUTIONS3 Filed as: FRANKLIN BENEFIT SOLUTIONS INC | 2444 EAST HILL ROAD GRAND BLANC, MI 484395098 | EYEMED VISION CARE | $1K | — | $1K | 9.90% |
| FRANKLIN BENEFIT SOLUTIONS3 | 2444 E HILL ROAD GRAND BLANC, MI 48439 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $221 | $1K | 18.01% |
| FRANKLIN BENEFIT SOLUTIONS3 | 2444 E HILL ROAD GRAND BLANC, MI 48439 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $818 | $193 | $1K | 15.72% |
| FRANKLIN BENEFIT SOLUTIONS3 | 2444 E HILL ROAD GRAND BLANC, MI 48439 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $287 | $57 | $344 | 17.99% |
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 | 151 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PRIORITY HEALTH | 167 | $990K |
| Dental(2 contracts) | DELTA DENTAL OF MICHIGAN | 139 | $76K |
| Vision(2 contracts, 2 carriers) | TOTAL HEALTH CARE USA, INC. | 222 | $124K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 227 | $6K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 151 | $15K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 55 | $7K |
| Prescription drug | TOTAL HEALTH CARE USA, INC. | 38 | $110K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 227 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 227 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.