| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUNTINGTON INSURANCE INC3 | 221 S CHURCH STREET BOWLING GREEN, OH 43402 | BLUE CARE NETWORK OF MICHIGAN | $22K | $0 | $22K | 4.12% |
| HUNTINGTON INSURANCE INC3 | 221 S CHURCH STREET BOWLING GREEN, OH 43402 | HEALTH ALLIANCE PLAN | $18K | $0 | $18K | 5.29% |
| HUNTINGTON INSURANCE INC3 | 221 S CHURCH STREET BOWLING GREEN, OH 43402 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $5K | $0 | $5K | 4.23% |
| HUNTINGTON INSURANCE INC3 | 440 POLARIS PKWY STE 400 WESTERVILLE, OH 43082 | NATIONWIDE LIFE INSURANCE COMPANY | $920 | $0 | $920 | 10.06% |
| ADVANCED INSURANCE SERVICES INC3 Filed as: ADVANCED INSURANCE AGENCY | 24705 MOUND RD WARREN, MI 48091 | GUARDIAN | $503 | $114 | $617 | 9.72% |
| LUCIDO MORRIS ASSOCIATES, LLC3 | 24255 W 13 MILE ROAD SUTIE 250 BIRMINGHAM, MI 48025 | GUARDIAN | $7 | $0 | $7 | 0.11% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY | PO BOX 948 HENRIETTA, NY 14467 | VISION SERVICE PLAN | $417 | $0 | $417 | 10.00% |
| ADVANCED INSURANCE SERVICES INC3 Filed as: ADVANCED INSURANCE AGENCY | 24705 MOUND RD WARREN, MI 48091 | DENCAP DENTAL PLANS, INC. | $354 | $0 | $354 | 10.94% |
| HUNTINGTON INSURANCE - MILLERSBURG3 Filed as: HUNTINTON INSURANCE INC | 440 POLARIS PKWY STE 400 WESTERVILLE, OH 43082 | DENCAP DENTAL PLANS, INC. | $29 | $0 | $29 | 0.90% |
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. |
| Total participants (= "Plan participants" tile) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CARE NETWORK OF MICHIGAN | 114 | $1.0M |
| Dental(4 contracts, 3 carriers) | DELTA DENTAL OF MICHIGAN | 18 | $20K |
| Vision(2 contracts, 2 carriers) | GUARDIAN | 16 | $11K |
| Life insurance | NATIONWIDE LIFE INSURANCE COMPANY | 64 | $9K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 114 | $532K |
| Other | NATIONWIDE LIFE INSURANCE COMPANY | 64 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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.