| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT J DOTSON JR3 Filed as: ROBERT J JR DOTSON | PO BOX 1928 SAGINAW, MI 486051928 | BLUE CARE NETWORK OF MICHIGAN | $18K | — | $18K | 4.33% |
| TGG SOLUTIONS3 | 588 3 MILE ROAD NW STE 101 GRAND RAPIDS, MI 495449544 | BLUE CARE NETWORK OF MICHIGAN | $3K | — | $3K | 0.62% |
| WAYNE VAN DER KOLK3 | 2395 JOLLY ROAD, STE. 195 OKEMOS, MI 48864 | BLUE CARE NETWORK OF MICHIGAN | — | $804 | $804 | 0.20% |
| SAGINAW BAY UNDERWRITERS3 | 12585 WASHINGTON AVENUE SAGINAW, MI 48605 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 9.77% |
| VOSS FINANCIAL GROUP LLC3 Filed as: VOSS FINANCIAL GROUP, LLC | 2395 JOLLY ROAD, STE. 195 OKEMOS, MI 48864 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
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 | 214 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 68 | $407K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 214 | $112K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 214 | $112K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 214 | $112K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 214 | $112K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 214 | $112K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 68 | $407K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 214 | — |
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.