| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FOX INSURANCE AGENCY LLC3 Filed as: FOX INSURANCE AGENCY | 300 OTTAWA AVENUE NW, SUITE 301 GRAND RAPIDS, MI 49503 | BLUE CARE NETWORK OF MICHIGAN | $136K | — | $136K | 2.83% |
| PAUL J. FREIHOFER3 | 300 OTTAWA AVENUE NW, SUITE 301 GRAND RAPIDS, MI 49503 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $62K | — | $62K | 3.45% |
| FOX INSURANCE AGENCY LLC3 | 300 OTTAWA AVENUE NW, SUITE 301 GRAND RAPIDS, MI 49503 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $57 | $57 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 30150 TELEGRAPH RD STE 408 BINGHAM FARMS, MI 48025 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $68K | $674 | $69K | 14.74% |
| FOX INSURANCE AGENCY LLC3 | 300 OTTAWA AVENUE NW, SUITE 301 GRAND RAPIDS, MI 49503 | LIFESECURE INSURANCE COMPANY | $6K | — | $6K | 12.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIR SERVICES | 300 OTTAWA AVENUE NW GRAND RAPIDS, MI 49503 | LIFESECURE INSURANCE COMPANY | $1K | — | $1K | 2.90% |
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 | 918 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 930 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 1,669 | $6.6M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,604 | $1.8M |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 810 | $468K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 810 | $468K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 810 | $468K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 1,669 | $6.6M |
| Other(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 810 | $518K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,669 | — |
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.