| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES F MCGUINNESS3 | PO BOX 1748 SAGINAW, MI 486051748 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $49K | — | $49K | 4.42% |
| SAGINAW BAY UNDERWRITERS3 | 1258 S WASHINGTON SAGINAW, MI 486012509 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $1K | $1K | 0.11% |
| SAGINAW UNDERWRITERS INC | 1258 S WASHINGTON SAGINAW, MI 48601 | CIGNA GROUP INSURANCE | $3K | — | $3K | 9.47% |
| SAGINAW UNDERWRITERS INC | 1258 S WASHINGTON SAGINAW, MI 48601 | CIGNA GROUP INSURANCE | $3K | — | $3K | 10.00% |
| SAGINAW UNDERWRITERS INC | 1258 S WASHINGTON SAGINAW, MI 48601 | CIGNA GROUP INSURANCE | $363 | — | $363 | 9.19% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| JAMES F MCGUINNESS AGENT | Non-monetary compensation; Other commissions; Insurance brokerage commissions and fees; Insurance agents and brokers; Other fees Service code 22 | PO BOX 1748 SAGINAW, MI 486051748 | $49K |
| SAGINAW BAY UNDERWRITERS BROKER | Non-monetary compensation; Insurance brokerage commissions and fees; Other fees; Other commissions; Insurance agents and brokers Service code 22 | 1258 S WASHINGTON SAGINAW, MI 486012509 | $8K |
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 | 175 | 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) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 175 | $1.1M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 175 | $1.1M |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 175 | $1.1M |
| Life insurance | CIGNA GROUP INSURANCE | 106 | $34K |
| Long-term disability | CIGNA GROUP INSURANCE | 63 | $27K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 175 | $1.1M |
| Other | CIGNA GROUP INSURANCE | 44 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 175 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.