| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA5 Filed as: BLUE CROSS BLUE SHIELD OF MICHIGAN | — | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $198K | $198K | 63.26% |
| ROBERT J DOTSON JR3 | PO BOX 1928 SAGINAW, MI 486051928 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $12K | $28K | $40K | 12.62% |
| SAGINAW BAY UNDERWRITERS3 | 1258 S WASHINGTON SAGINAW, MI 486012509 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $3K | $3K | 0.80% |
| ROBERT J DOTSON JR3 | PO BOX 1928 SAGINAW, MI 486051928 | DELTA DENTAL OF MICHIGAN | $7K | — | $7K | 4.69% |
| ROBERT J DOTSON JR3 | PO BOX 1928 SAGINAW, MI 486051928 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $12K | — | $12K | 45.18% |
| SAGINAW BAY UNDERWRITERS3 | 1258 S WASHINGTON SAGINAW, MI 486012509 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $3K | — | $3K | 9.87% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 TPA | Float revenue; Insurance services; Direct payment from the plan; Other fees; Claims processing; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 12 | — | $198K |
| ROBERT J DOTSON JR INSURANCE AGENT | Insurance brokerage commissions and fees; Insurance agents and brokers; Non-monetary compensation; Other fees; Other commissions Service code 22 | PO BOX 1928 SAGINAW, MI 486051928 | $58K |
| SAGINAW BAY UNDERWRITERS INSURANCE BROKER | Insurance brokerage commissions and fees; Other commissions; Insurance agents and brokers; Other fees; Non-monetary compensation Service code 22 | 1258 S WASHINGTON SAGINAW, MI 486012509 | $5K |
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 | 251 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 251 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 425 | $313K |
| Dental | DELTA DENTAL OF MICHIGAN | 380 | $153K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 363 | $25K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 425 | $313K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 425 | $313K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 425 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.