| 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 | $26K | $1K | $27K | 2.79% |
| GEOFFREY B FINGER3 | 37 W. BROAD ST. 7TH FLOOR COLUMBUS, OH 43215 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $3K | $69 | $3K | 2.79% |
| GEOFFREY B FINGER3 | 37 W BROAD ST 7TH FLOOR COLUMBUS, OH 43215 | BLUE CARE NETWORK OF MICHIGAN | $2K | — | $2K | 4.48% |
| GEOFFREY B FINGER3 | 37 W BROAD ST 7TH FLOOR COLUMBUS, OH 43215 | BLUE CARE NETWORK OF MICHIGAN | $2K | — | $2K | 4.15% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | 221 S CHURCH ST BOWLING GREEN, OH 43402 | STARMOUNT LIFE INSURANCE COMPANY | $4K | — | $4K | 9.90% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INS INC | 221 S CHURCH ST BOWLING GREEN, OH 43402 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | 221 S CHURCH ST BOWLING GREEN, OH 43402 | DELTA DENTAL OF MICHIGAN | $997 | — | $997 | 8.56% |
| HUNTINGTON INSURANCE INC3 | 221 S CHURCH ST BOWLING GREEN, OH 43042 | NATIONWIDE LIFE INSURANCE COMPANY | $779 | — | $779 | 10.02% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY | PO BOX 948 HENRIETTA, NY 14467 | VISION SERVICE PLAN | $478 | — | $478 | 8.21% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | 221 S CHURCH ST BOWLING GREEN, OH 43402 | DELTA DENTAL OF MICHIGAN | $198 | — | $198 | 9.02% |
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 | 134 | 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) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 195 | $1.2M |
| Dental(5 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 101 | $204K |
| Vision(3 contracts, 3 carriers) | BLUE CARE NETWORK OF MICHIGAN | 195 | $1.0M |
| Life insurance | NATIONWIDE LIFE INSURANCE COMPANY | 56 | $8K |
| Prescription drug(4 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 195 | $1.2M |
| Other | NATIONWIDE LIFE INSURANCE COMPANY | 56 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.