| 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 | $17K | — | $17K | 4.12% |
| SAGINAW BAY UNDERWRITERS3 | 1258 WASHINGTON AVENUE SAGINAW, MI 486012509 | BLUE CARE NETWORK OF MICHIGAN | — | $892 | $892 | 0.21% |
| ROBERT J DOTSON JR3 Filed as: ROBERT J JR DOTSON | PO BOX 1928 SAGINAW, MI 486051928 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $9K | — | $9K | 4.07% |
| SAGINAW BAY UNDERWRITERS3 | 1258 WASHINGTON AVENUE SAGINAW, MI 486012509 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $196 | $196 | 0.09% |
| SAGINAW BAY UNDERWRITERS3 | 1258 WASHINGTON AVENUE SAGINAW, MI 48605 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $751 | $12K | 8.86% |
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 | 315 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 315 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 75 | $642K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 315 | $140K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 315 | $140K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 315 | $140K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 315 | $140K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 315 | $140K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 75 | $642K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 315 | — |
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.