| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JEFFREY A LEWIS3 | 940 ELMDALE NE GRAND RAPIDS, MI 495259525 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $53K | — | $53K | 2.99% |
| INDIVIDUAL BENEFITS SOLUTIONS3 | 4920 PLAINFIELD AVE. NE GRAND RAPIDS, MI 495259525 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $666 | $666 | 0.04% |
| JEFFREY A LEWIS3 | 940 ELMDALE NE GRAND RAPIDS, MI 495259525 | BLUE CARE NETWORK OF MICHIGAN | $47K | — | $47K | 2.98% |
| INDIVIDUAL BENEFITS SOLUTIONS3 | 4920 PLAINFIELD AVE. NE GRAND RAPIDS, MI 495259525 | BLUE CARE NETWORK OF MICHIGAN | — | $838 | $838 | 0.05% |
| JEFFREY A LEWIS3 Filed as: JEFFREY LEWIS | 1380 ANNA MUSKEGON, MI 49445 | DELTA DENTAL OF MICHIGAN | $5K | — | $5K | 3.00% |
| JEFFREY A LEWIS3 Filed as: JEFFREY A. LEWIS | 940 ELMDALE NE GRAND RAPIDS, MI 49525 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 15.00% |
| JEFFREY A LEWIS3 Filed as: JEFFREY A. LEWIS | 940 ELMDALE NE GRAND RAPIDS, MI 49525 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 9.41% |
| JEFFREY A LEWIS3 Filed as: JEFFREY A. LEWIS | 940 ELMDALE ST. NE GRAND RAPIDS, MI 49525 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 7.18% |
| JEFFREY A LEWIS3 Filed as: JEFFREY A. LEWIS | 940 ELMDALE NE GRAND RAPIDS, MI 49525 | NATIONAL GUADIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| JEFFREY A LEWIS3 Filed as: JEFFREY A. LEWIS | 940 ELMDALE NE GRAND RAPIDS, MI 49525 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| JEFFREY A LEWIS3 Filed as: JEFFREY A. LEWIS | 940 ELMDALE NE GRAND RAPIDS, MI 49525 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.01% |
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 | 245 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 247 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 312 | $3.4M |
| Dental | DELTA DENTAL OF MICHIGAN | 552 | $177K |
| Vision | NATIONAL GUADIAN LIFE INSURANCE COMPANY | 424 | $23K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 326 | $45K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 134 | $66K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 312 | $3.4M |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 326 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 552 | — |
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.