| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHANNON J. ENDERS3 | 120 WEST DRIVE SUITE 3 MARSHALL, MI 49068 | BLUE CARE NETWORK OF MICHIGAN | $43K | — | $43K | 4.83% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS-HENDRICKS-STUIT INS. | 3055 44TH ST SW GRANDVILLE, MI 49418 | BLUE CARE NETWORK OF MICHIGAN | — | $876 | $876 | 0.10% |
| THE LEAD AGENCY LLC3 | THE LEAD AGENCY LLC NORTON SHORES, MI 49444 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 10.00% |
| STRATEGIC BENEFITS NETWORK LLC3 Filed as: STRATEGIC BENEFITS NETWORK | STRATEGIC BENEFITS NETWORK LLC NORTON SHORES, MI 49444 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 5.00% |
| THE LEAD AGENCY LLC3 | THE LEAD AGENCY LLC NORTON SHORES, MI 49444 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 10.00% |
| STRATEGIC BENEFITS NETWORK LLC3 Filed as: STRATEGIC BENEFITS NETWORK | STRATEGIC BENEFITS NETWORK LLC NORTON SHORES, MI 49444 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $930 | $930 | 5.00% |
| THE LEAD AGENCY LLC3 | THE LEAD AGENCY LLC NORTON SHORES, MI 49444 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 9.99% |
| STRATEGIC BENEFITS NETWORK LLC3 Filed as: STRATEGIC BENEFITS NETWORK | STRATEGIC BENEFITS NETWORK LLC NORTON SHORES, MI 49444 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $722 | $722 | 5.00% |
| THE LEAD AGENCY LLC3 | THE LEAD AGENCY LLC NORTON SHORES, MI 49444 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 10.00% |
| STRATEGIC BENEFITS NETWORK LLC3 Filed as: STRATEGIC BENEFITS NETWORK | STRATEGIC BENEFITS NETWORK LLC NORTON SHORES, MI 49444 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $689 | $689 | 5.00% |
| THE LEAD AGENCY LLC3 | THE LEAD AGENCY LLC NORTON SHORES, MI 49444 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $949 | — | $949 | 10.00% |
| STRATEGIC BENEFITS NETWORK LLC3 Filed as: STRATEGIC BENEFITS NETWORK | STRATEGIC BENEFITS NETWORK LLC NORTON SHORES, MI 49444 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $474 | $474 | 4.99% |
| THE LEAD AGENCY LLC3 | THE LEAD AGENCY LLC NORTON SHORES, MI 49444 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $551 | — | $551 | — |
| STRATEGIC BENEFITS NETWORK LLC3 Filed as: STRATEGIC BENEFITS NETWORK | STRATEGIC BENEFITS NETWORK LLC NORTON SHORES, MI 49444 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $275 | $275 | — |
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 | 123 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 123 | $898K |
| Dental | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 72 | $35K |
| Vision | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 65 | $0 |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 107 | $14K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 61 | $19K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 21 | $9K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 123 | $898K |
| Other | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 46 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 123 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.