| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RYAN J. HARRIS3 | 2929 SPRING ARBOR ROAD JACKSON, MI 49201 | BLUE CARE NETWORK OF MICHIGAN | $86K | $0 | $86K | 3.92% |
| DAVID W CRAFT3 Filed as: DAVID W. CRAFT | 2533 SPRING ARBOR ROAD JACKSON, MI 49201 | BLUE CARE NETWORK OF MICHIGAN | $16K | $0 | $16K | 0.74% |
| WALTON AGENCY, INC.3 | PO BOX 3029 JACKSON, MI 49204 | BLUE CARE NETWORK OF MICHIGAN | $0 | $2K | $2K | 0.10% |
| RYAN J. HARRIS3 | 2929 SPRING ARBOR ROAD JACKSON, MI 49201 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $8K | $0 | $8K | 1.97% |
| DAVID W CRAFT3 Filed as: DAVID W. CRAFT | 2533 SPRING ARBOR ROAD JACKSON, MI 49201 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $3K | $0 | $3K | 0.72% |
| WALTON AGENCY, INC.3 | PO BOX 3029 JACKSON, MI 49204 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $595 | $595 | 0.15% |
| WALTON AGENCY, INC.3 | PO BOX 3029 JACKSON, MI 49204 | AMERICAN UNITED LIFE INSURANCE COMPANY | $8K | — | $8K | 2.78% |
| THE CRAFT AGENCY INC.3 Filed as: THE CRAFT AGENCY INC | 2533 SPRING ARBOR ROAD JACKSON, MI 49203 | AMERICAN UNITED LIFE INSURANCE COMPANY | $705 | — | $705 | 0.26% |
| WALTON AGENCY, INC.3 | 2929 SPRING ARBOR ROAD PO BOX 3029 JACKSON, MI 49204 | UNUM INSURANCE COMPANY | $3K | $0 | $3K | 9.05% |
| THE CRAFT AGENCY INC.3 Filed as: THE CRAFT AGENCY, INC. | 2533 SPRING ARBOR ROAD JACKSON, MI 49203 | UNUM INSURANCE COMPANY | $1K | $0 | $1K | 3.69% |
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 | 297 | 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) | 297 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 319 | $2.6M |
| Vision(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 319 | $2.6M |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 297 | $273K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 297 | $273K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 297 | $273K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 319 | $2.6M |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 297 | $305K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 319 | — |
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.