| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RON SCHOEN3 Filed as: RON SCHOEN, EMPLOYEE BENEFIT RESOUR | 6628 DIXIE HIGHWAY BRIDGEPORT, MI 48722 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $44K | $2K | $46K | 2.67% |
| SCOTT B LEE3 Filed as: SCOTT D FRITZ | 250 S EXECUTIVE DRIVE SUITE 300 BROOKFIELD, WI 53005 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $13K | — | $13K | 0.76% |
| RON SCHOEN3 | 6628 DIXIE HIGHWAY BRIDGEPORT, MI 48722 | BLUE CARE NETWORK OF MICHIGAN | $9K | — | $9K | 2.40% |
| SCOTT B LEE3 Filed as: SCOTT D FRITZ | 250 S EXECUTIVE DRIVE SUITE 300 BROOKFIELD, WI 53005 | BLUE CARE NETWORK OF MICHIGAN | $3K | — | $3K | 0.87% |
| KEYSTONE INSURERS GROUP INC3 Filed as: KEYSTONE INSURERS GROUP INC. | 1995 POINT TOWNSHIP DRIVE NORTHCUMBERLAND, PA 17857 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 4.22% |
| EMPLOYEE BENEFIT RESOURCES3 Filed as: EMPLOYEE BENEFIT RESOURCES INC. | 6628 DIXIE HIGHWAY BRIDGEPORT, MI 48722 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 3.88% |
| NATIONAL INS. SERVICES OF WI,INC.3 Filed as: NATIONAL INS SERVICES OF WI INC | 300 N CORPORATE DRIVE SUITE 300 BROOKFIELD, WI 53045 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $563 | $4K | 2.10% |
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 | 109 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 333 | $2.1M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 396 | $1.9M |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 333 | $1.7M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 396 | $183K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 396 | $183K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 396 | $183K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 333 | $2.1M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 396 | $183K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 396 | — |
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.