| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALLARD BENEFIT WORKS3 | 915 N MICHIGAN AVE HOWELL, MI 488433110 | BLUE CARE NETWORK OF MICHIGAN | $23K | — | $23K | 1.60% |
| BALLARD BENEFIT WORKS3 | 915 N MICHIGAN AVE HOWELL, MI 488433110 | BLUE CARE NETWORK OF MICHIGAN | $14K | — | $14K | 1.47% |
| JUSTIN W SPEWOCK3 | 915 N MICHIGAN AVE HOWELL, MI 49512 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $12K | $1K | $13K | 4.00% |
| BALLARD BENEFIT WORKS3 | 915 N MICHIGAN AVE HOWELL, MI 488433110 | BLUE CARE NETWORK OF MICHIGAN | $2K | — | $2K | 1.83% |
| BALLARD BENEFIT WORKS3 | 915 N MICHIGAN AVE HOWELL, MI 49512 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 13.79% |
| BALLARD BENEFIT WORKS3 | 915 N MICHIGAN AVE HOWELL, MI 488433110 | BLUE CARE NETWORK OF MICHIGAN | $631 | — | $631 | 1.83% |
| BALLARD BENEFIT WORKS3 | 915 N MICHIGAN AVE HOWELL, MI 488433110 | BLUE CARE NETWORK OF MICHIGAN | $2K | — | $2K | 8.45% |
| BALLARD BENEFIT WORKS3 | 915 N MICHIGAN AVE HOWELL, MI 49512 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $248 | — | $248 | 2.35% |
| BALLARD BENEFIT WORKS3 | 915 N MICHIGAN AVE HOWELL, MI 488433110 | BLUE CARE NETWORK OF MICHIGAN | $171 | — | $171 | 1.78% |
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 | 535 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 544 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 686 | $2.9M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 686 | $326K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 686 | $326K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 535 | $48K |
| Prescription drug(6 contracts) | BLUE CARE NETWORK OF MICHIGAN | 458 | $2.6M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 535 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 686 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.