| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VANESSA L VOWLES3 | PO BOX 948 HENRIETTA, NY 14487 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $5K | — | $5K | 3.54% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY INC | 29065 CABOT DR SUITE 100 NOVI, MI 48377 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $1K | $1K | 0.95% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 TPA | Float revenue; Other fees; Direct payment from the plan; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Insurance services; Claims processing Service code 12 | 600 E LAFAYETTE DETROIT, MI 48226 | $90K |
| VANESSA L VOWLES AGENT/BROKER | Insurance brokerage commissions and fees; Other fees; Non-monetary compensation; Insurance agents and brokers; Other commissions Service code 22 | PO BOX 948 HENRIETTA, NY 14487 | $5K |
| PAYCHEX AGENT/BROKER | Insurance agents and brokers; Other fees; Other commissions; Insurance brokerage commissions and fees; Non-monetary compensation Service code 22 | 29065 CABOT DRIVE SUITE 100 NOVI, MI 48377 | $1K |
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 | 80 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 80 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 229 | $143K |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 229 | $143K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 229 | $143K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 229 | $143K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 229 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 229 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.