| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DANIEL C. WEAVER3 Filed as: DANIEL C WEAVER | 59259 VAN DYKE RD. WASHINGTON, MI 48094 | BLUE CARE NETWORK OF MICHIGAN | $37K | — | $37K | 3.36% |
| MICHIGAN PLANNERS, INC.3 | 59259 VAN DYKE RD. WASHINGTON, MI 48094 | BLUE CARE NETWORK OF MICHIGAN | — | $2K | $2K | 0.14% |
| DANIEL C. WEAVER3 Filed as: DANIEL C WEAVER | 59259 VAN DYKE RD. WASHINGTON, MI 48094 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $13K | — | $13K | 3.12% |
| MICHIGAN PLANNERS, INC.3 | 59259 VAN DYKE RD. WASHINGTON, MI 48094 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $352 | $352 | 0.08% |
| BARKER WEBER INSURANCE AGENCY INC3 Filed as: BARKER WEBER INSURANCE AGENCY | 2501 SPRING ARBOR RD. JACKSON, MI 49203 | METROPOLITAN LIFE INSURANCE COMPANY | $34K | — | $34K | 12.26% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE ST. MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $4K | $18K | 6.41% |
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 | 260 | 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) | 260 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 279 | $1.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 603 | $277K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 603 | $698K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 603 | $277K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 603 | $277K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 603 | $277K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 279 | $1.5M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 603 | $277K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 603 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.