| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CARL R MESSING3 | 5925 MERIDIAN BLVD S-300 BRIGHTON, MI 48116 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $48K | — | $48K | 1.72% |
| AFFILIATED AGENCIES LLC3 | 16401 E 9 MILE ROAD EASTPOINTE, MI 48021 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $286 | $286 | 0.01% |
| KIMMEL AGENCY INC3 | 1196 INCA TRL LAKE ORION, MI 48362 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | — | $2K | 4.99% |
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 | 226 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 226 | 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 | 470 | $2.9M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 470 | $2.8M |
| Short-term disability | THE PAUL REVERE LIFE INSURANCE COMPANY | 226 | $49K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 470 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 470 | — |
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.