| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMY J HALL3 Filed as: AMY HALL | JS CLARK AGENCY 25900 W 11 MILE RD, STE 210 SOUTHFIELD, MI 48034 | BLUE CARE NETWORK OF MICHIGAN | $32K | — | $32K | 5.42% |
| J.S. CLARK AGENCY, INC.3 Filed as: JS CLARK AGENCY | 25900 W 11 MILE RD, STE 210 SOUTHFIELD, MI 48034 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $9K | — | $9K | 4.17% |
| J.S. CLARK AGENCY, INC.3 Filed as: J S CLARK AGENCY INC | 25900 W ELEVEN MILE RD, STE 210 SOUTHFIELD, MI 48034 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $22K | $8K | $30K | 14.58% |
| J.S. CLARK AGENCY, INC.3 Filed as: J S CLARK AGENCY | 25900 W ELEVEN MILE RD, STE 210 SOUTHFIELD, MI 48034 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 9.84% |
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 | 156 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 209 | $800K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 225 | $208K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 197 | $12K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 225 | $208K |
| Other(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 225 | $793K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.