| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTOPHER M BOUSCHET3 Filed as: CHRISTOPHER M. BOUSCHET | 755 W. BIG BEAVER RD TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $59K | — | $59K | 1.94% |
| PAUL MELI3 | 50787 CORPORATE DR. SHELBY TOWNSHIP, MI 48315 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $36K | — | $36K | 1.19% |
| CORE INSURANCE GROUP3 | 50787 CORPORATE DR. SHELBY TOWNSHIP, MI 48315 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $2K | $2K | 0.06% |
| CORE INSURANCE GROUP3 Filed as: CORE INSURANCE GROUP LLC | 50787 CORPORATE DR. SHELBY TOWNSHIP, MI 48315 | PRINCIPAL LIFE INSURANCE COMPANY | $18K | $10K | $28K | 7.41% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 744831 ATLANTA, GA 30374 | PRINCIPAL LIFE INSURANCE COMPANY | $16K | — | $16K | 4.08% |
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 | 308 | 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) | 308 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 521 | $3.1M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 610 | $382K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 610 | $382K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 610 | $382K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 610 | $382K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 610 | $382K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 521 | $3.1M |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 610 | $382K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 610 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.