| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARC J LASCESKI3 | 1100 SUPERIOR AVE, SUITE 1500 CLEVELAND, OH 44114 | BLUE CARE NETWORK OF MICHIGAN | $24K | $0 | $24K | 2.50% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD AGENCY | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 441144114 | BLUE CARE NETWORK OF MICHIGAN | $0 | $2K | $2K | 0.21% |
| MARC J LASCESKI3 | 1100 SUPERIOR AVE, SUITE 1500 CLEVELAND, OH 44114 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $3K | $0 | $3K | 5.00% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B OSWALD AGENCY | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 441144114 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $687 | $687 | 0.99% |
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 | 157 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 171 | $943K |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 188 | $69K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 188 | $69K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 171 | $943K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.