| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JASON GLIME3 | 1040 E MAPLE RD BIRMINGHAM, MI 48009 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $18K | — | $18K | 3.48% |
| DANIEL P BROOKS3 | 221 S CHURCH ST BOWLING GREEN, OH 43402 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $6K | — | $6K | 1.22% |
| HUNTINGTON INSURANCE INC3 | 519 MADISON AVENUE TOLEDO, OH 43604 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $552 | $552 | 0.11% |
| JASON GLIME3 | 1040 E MAPLE RD BIRMINGHAM, MI 48009 | BLUE CARE NETWORK OF MICHIGAN | $6K | — | $6K | 3.15% |
| DANIEL P BROOKS3 | 221 S CHURCH ST BOWLING GREEN, OH 43402 | BLUE CARE NETWORK OF MICHIGAN | $2K | — | $2K | 1.23% |
| HUNTINGTON INSURANCE INC3 | 519 MADISON AVENUE TOLEDO, OH 43604 | BLUE CARE NETWORK OF MICHIGAN | — | $277 | $277 | 0.15% |
| HUNTINGTON INSURANCE INC3 | 37 W BROAD ST FL 7 COLUMBUS, OH 43215 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $313 | $3K | 6.42% |
| MATTHEW PAUL COOK3 | 2050 LIVERNOIS RD STE B TROY, MI 48083 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.46% |
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 | 112 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 76 | $700K |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 76 | $700K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 76 | $509K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 112 | $44K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 112 | $44K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 112 | $44K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 76 | $700K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 112 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.