| 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 | $60K | — | $60K | 3.20% |
| JEFFREY A LEWIS3 | 940 ELMDALE NE GRAND RAPIDS, MI 495259525 | BLUE CARE NETWORK OF MICHIGAN | $54K | — | $54K | 3.22% |
| JEFFREY A LEWIS3 Filed as: JEFFREY LEWIS | 1380 ANNA MUSKEGON, MI 49445 | DELTA DENTAL OF MICHIGAN | $6K | — | $6K | 2.99% |
| JEFFREY A LEWIS3 Filed as: JEFFREY LEWIS | 940 ELMDALE ST. NE GRAND RAPIDS, MI 49525 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | — | $17K | 9.88% |
| BENEFIT PROFILES INC3 Filed as: BENEFIT PROFILES INC. | 3358 EAGLE RUN DR. NE STE 3 GRAND RAPIDS, MI 49525 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 3.71% |
| BENEFIT PROFILES INC3 Filed as: BENEFIT PROFILES INC. | 3358 EAGLE RUN DR. NE STE 3 GRAND RAPIDS, MI 49525 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.28% |
| EMPLOYEE BENEFIT SERVICES3 | 489 SEMINOLE RD. MUSKEGON, MI 49444 | METROPOLITAN LIFE INSURANCE COMPANY | $661 | — | $661 | 0.37% |
| LEWIS, JEFFREY, A3 | 940 ELMDALE NE GRAND RAPIDS, MI 495252628 | AMERITAS LIFE INSURANCE CORP. | $2K | — | $2K | 6.80% |
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 | 254 | 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) | 256 | 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 | 340 | $3.5M |
| Dental | DELTA DENTAL OF MICHIGAN | 569 | $193K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 440 | $25K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 534 | $177K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 534 | $177K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 340 | $3.5M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 534 | $177K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 569 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.