| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID ERWIN3 | 1195 CHEROKEE CIRCLE SHELBY TWP, MI 48315 | BLUE CARE NETWORK OF MICHIGAN | $15K | — | $15K | 2.51% |
| WILSHIRE BENEFITS GROUP INC3 Filed as: WILSHIRE BENEFITS GORUP INC | 901 WILSHIRE DRIVE STE 300 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | — | $984 | $984 | 0.17% |
| DAVID ERWIN3 | 1195 CHEROKEE CIRCLE SHELBY TWP, MI 48315 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $12K | — | $12K | 3.04% |
| WILSHIRE BENEFITS GROUP INC3 Filed as: WILSHIRE BENEFITS GORUP INC | 901 WILSHIRE DRIVE STE 300 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $456 | $456 | 0.11% |
| WILSHIRE BENEFITS GROUP INC3 Filed as: WILSHIRE BENEFITS GROUP INC. | 901 WILSHIRE DR STE 330 TROY, MI 480845611 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | $4K | $10K | 10.32% |
| WILSHIRE BENEFITS GROUP INC3 Filed as: WILSHIRE BENEFITS GROUP INC. | 901 WILSHIRE DRIVE STE 330 TROY, MI 48084 | NATIONAL VISION ADMINISTRATORS, LLC (NVA) | $1K | — | $1K | 10.00% |
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 | 274 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 274 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 95 | $994K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 274 | $97K |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC (NVA) | 166 | $13K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 274 | $97K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 95 | $994K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 274 | — |
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."
No prospect flags tripped on this filing.