| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JONATHAN M POPE3 Filed as: JONATHAN POPE | 400 W FOURTH ST, STE 300 ROYAL OAK, MI 48067 | BLUE CROSS BLUE SHIELD OF MI | $35K | $500 | $36K | 2.35% |
| JONATHAN M POPE3 Filed as: JONATHAN POPE | 400 W FOURTH ST., STE 300 ROYAL OAK, MI 48067 | BLUE CARE NETWORK | $9K | — | $9K | 1.86% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 400 W FOURTH ST., STE 300 ROYAL OAK, MI 48067 | UNITED OF OMAHA LIFE INSURANCE CO | $12K | $1K | $13K | 13.44% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES INC | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE CO | $2K | — | $2K | 20.00% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 400 W FOURTH ST., STE 300 ROYAL OAK, MI 48067 | FEDERAL INSURANCE CO | $2K | — | $2K | 15.00% |
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 | 226 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MI | 395 | $2.0M |
| Dental | BLUE CROSS BLUE SHIELD OF MI | 395 | $1.5M |
| Vision | BLUE CROSS BLUE SHIELD OF MI | 395 | $1.5M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE CO | 226 | $96K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE CO | 226 | $96K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE CO | 226 | $96K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MI | 395 | $2.0M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE CO | 226 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 395 | — |
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.