| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RYAN J. HARRIS3 | 2929 SPRING ARBOR ROAD JACKSON, MI 49203 | BLUE CARE NETWORK OF MICHIGAN | $50K | $0 | $50K | 4.35% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 755 WEST BIG BEAVER ROAD SUITE 2300 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $0 | $912 | $912 | 0.08% |
| WALTON AGENCY, INC.3 | PO BOX 3029 JACKSON, MI 49204 | BLUE CARE NETWORK OF MICHIGAN | $0 | $96 | $96 | 0.01% |
| RYAN J. HARRIS3 | 2929 SPRING ARBOR ROAD JACKSON, MI 49203 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $10K | $0 | $10K | 4.17% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 755 WEST BIG BEAVER ROAD SUITE 2300 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $93 | $93 | 0.04% |
| WALTON AGENCY, INC.3 | PO BOX 3029 JACKSON, MI 49204 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $10 | $10 | 0.00% |
| WALTON AGENCY, INC.3 | PO BOX 3029 JACKSON, MI 49204 | AMERICAN UNITED LIFE INSURANCE COMPANY | $19K | $0 | $19K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 755 WEST BIG BEAVER ROAD SUITE 2300 TROY, MI 48084 | AMERICAN UNITED LIFE INSURANCE COMPANY | $0 | $9K | $9K | 7.29% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 798 WEST BIG BEAVER ROAD SUITE 2300 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $11 | $2K | 4.99% |
| CHRISTOPHER THOMAS SMITH3 | 798 BERRY ROAD NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $653 | $7 | $660 | 2.15% |
| WALTON AGENCY, INC.3 | 2929 SPRING ARBOR ROAD JACKSON, MI 49204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $434 | $0 | $434 | 1.41% |
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 | 223 | 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) | 223 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 235 | $1.4M |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 27 | $247K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 223 | $129K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 223 | $129K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 223 | $129K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 235 | $1.4M |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 223 | $159K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 235 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.