| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GEOFFREY B FINGER3 | 37 W BROAD ST 7TH FLOOR COLUMBUS, OH 43215 | BLUE CARE NETWORK OF MICHIGAN | $20K | $1K | $21K | 3.44% |
| ACTION BENEFITS COMPANY3 | 26533 EVERGREEN RD SUITE 400 SOUTHFIELD, MI 48076 | BLUE CARE NETWORK OF MICHIGAN | $6K | — | $6K | 1.04% |
| HUNTINGTON INSURANCE INC3 | 221 SOUTH CHURCH ST BOWLING GREEN, OH 43402 | HEALTH ALLIANCE PLAN | $15K | — | $15K | 4.07% |
| GEOFFREY B FINGER3 | 37 W. BROAD ST 7TH FLOOR COLUMBUS, OH 43215 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $4K | $91 | $4K | 3.22% |
| ACTION BENEFITS COMPANY3 | 26533 EVERGREEN RD SUITE 400 SOUTHFIELD, MI 48076 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $1K | — | $1K | 0.95% |
| GEOFFREY B FINGER3 Filed as: C GEOFFREY FINGER | 37 W. BROAD ST 7TH FLOOR COLUMBUS, OH 43215 | DELTA DENTAL OF MICHIGAN | $1K | — | $1K | 10.43% |
| HUNTINGTON INSURANCE INC3 | 221 S CHURCH ST BOWLING GREEN, OH 43042 | NATIONWIDE LIFE INSURANCE COMPANY | $779 | — | $779 | 10.01% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY | PO BOX 948 HENRIETTA, NY 14467 | VISION SERVICE PLAN | $462 | — | $462 | 10.00% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INS INC | 121 N MARKET ST WOOSTER, OH 44691 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $315 | — | $315 | 7.85% |
| ACRISURE LLC3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $113 | $113 | 2.82% |
| LUCIDO MORRIS ASSOCIATES, LLC3 | 24255 W 13 MILE ROAD SUITE 250 BINGHAM FARMS, MI 48025 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4 | — | $4 | 0.10% |
| GEOFFREY B FINGER3 Filed as: C GEOFFREY FINGER | 37 W. BROAD ST 7TH FLOOR COLUMBUS, OH 43215 | DELTA DENTAL OF MICHIGAN | $397 | — | $397 | 11.25% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | 440 POLARIS PARKWAY WESTERVILLE, OH 43082 | DENCAP DENTAL PLANS, INC. | $183 | — | $183 | 10.02% |
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 | 135 | 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) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CARE NETWORK OF MICHIGAN | 135 | $1.1M |
| Dental(5 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 28 | $136K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 16 | $9K |
| Life insurance | NATIONWIDE LIFE INSURANCE COMPANY | 61 | $8K |
| Prescription drug(3 contracts, 3 carriers) | BLUE CARE NETWORK OF MICHIGAN | 135 | $1.1M |
| Other | NATIONWIDE LIFE INSURANCE COMPANY | 61 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.