| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOXLEY GROUP, LLC3 Filed as: LOXLEY GROUP LLC | 460 ADA DR. SUITE 222 ADA, MI 49301 | BLUE CARE NETWORK OF MICHIGAN | $6K | — | $6K | 0.44% |
| LOXLEY GROUP, LLC3 Filed as: LOXLEY GROUP LLC | 460 ADA DR. SUITE 222 ADA, MI 49301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 1.50% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 0.50% |
| ADMINISTRATORS, INC, BOON-CHAPMAN B3 Filed as: ADMINISTRATORS, INC. BOON-CHAPMAN | 9401 AMBERGLEN BLVD. SUITE 100 AUSTIN, TX 78729 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $127 | $127 | 0.04% |
| LOXLEY GROUP, LLC3 Filed as: LOXLEY GROUP, LLC DBA SYMPL BENEFIT | 460 ADA DR. SUITE 222 ADA, MI 49301 | DELTA DENTAL OF MICHIGAN | $4K | — | $4K | 4.72% |
| LOXLEY GROUP, LLC3 Filed as: LOXLEY GROUP LLC | 460 ADA DR STE 222 ADA, MI 49301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN BENEFIT ADMINISTRATORS | 9401 AMBERGLEN BLVD. SUITE 100 AUSTIN, TX 78729 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $115 | $115 | 0.40% |
| LOXLEY GROUP, LLC3 Filed as: LOXLEY GROUP LLC | 460 ADA DR. SUITE 222 ADA, MI 49301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $935 | — | $935 | 5.00% |
| ADMINISTRATORS, INC, BOON-CHAPMAN B3 Filed as: ADMINISTRATORS, INC. BOON-CHAPMAN | 9401 AMBERGLEN BLVD. SUITE 100 AUSTIN, TX 78729 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $78 | $78 | 0.42% |
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 | 236 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 247 | $1.3M |
| Dental | DELTA DENTAL OF MICHIGAN | 237 | $75K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 204 | $29K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 61 | $309K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 54 | $19K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 247 | $1.3M |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 204 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 247 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.