| 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 | $28K | — | $28K | 2.33% |
| AMY J HALL3 | 25900 W 11 MILE RD, STE 210 SOUTHFIELD, MI 48034 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $6K | — | $6K | 1.87% |
| 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 | $19K | $9K | $29K | 15.80% |
| 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 | 10.00% |
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 | 137 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 267 | $1.5M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 221 | $180K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 174 | $10K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 221 | $180K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 267 | $1.5M |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 221 | $180K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 267 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.