| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL R ACKERMAN3 Filed as: MICHAEL F DEMPSEY | P.O. BOX 1428 ANN ARBOR, MI 48106 | BLUECARE NETWORK OF MICHIGAN | — | — | $0 | 0.00% |
| MICHAEL R ACKERMAN Filed as: MICHAEL F DEMPSEY | P.O. BOX 1428 ANN ARBOR, MI 48106 | BLUE CROSS BLUE SHIELD | — | — | $0 | 0.00% |
| MICHAEL R ACKERMAN Filed as: MICHAEL F DEMPSEY | P.O. BOX 1428 ANN ARBOR, MI 48106 | DELTA DENTAL OF MICHIGAN | — | — | $0 | 0.00% |
| MICHAEL R ACKERMAN Filed as: MICHAEL F DEMPSEY | P.O. BOX 1428 ANN ARBOR, MI 48106 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
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 | 123 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 19 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECARE NETWORK OF MICHIGAN | 0 | $1.0M |
| Dental | DELTA DENTAL OF MICHIGAN | 234 | $76K |
| Vision | BLUE CROSS BLUE SHIELD | 0 | $146K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 0 | $74K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 0 | $74K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 0 | $74K |
| Prescription drug(2 contracts, 2 carriers) | BLUECARE NETWORK OF MICHIGAN | 0 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 234 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.