| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT A KELLEHER3 Filed as: ROBERT B. ARTINIAN | 901 WILSHIRE DRIVE, SUITE 330 TROY, MI 48393 | BLUE CARE NETWORK OF MICHIGAN | $31K | $0 | $31K | 3.84% |
| WILSHIRE BENEFITS GROUP INC3 Filed as: WILSHIRE BENEFITS GROUP, INC. | 901 WILSHIRE DRIVE, SUITE 300 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $0 | $1K | $1K | 0.17% |
| ROBERT A KELLEHER3 Filed as: ROBERT B. ARTINIAN | 901 WILSHIRE DRIVE, SUITE 330 TROY, MI 48393 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $19K | $0 | $19K | 4.04% |
| WILSHIRE BENEFITS GROUP INC3 Filed as: WILSHIRE BENEFITS GROUP, INC. | 901 WILSHIRE DRIVE, SUITE 300 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $948 | $948 | 0.20% |
| WILSHIRE BENEFITS GROUP INC3 Filed as: WILSHIRE BENEFITS GROUP, INC. | 901 WILSHIRE DRIVE, SUITE 300 TROY, MI 48084 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $4K | $13K | 15.68% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS LLC | 501 OFFICE CENTER DRIVE, SUITE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.83% |
| WILSHIRE BENEFITS GROUP INC3 Filed as: WILSHIRE BENEFITS GROUP, INC. | 901 WILSHIRE DRIVE, SUITE 330 TROY, MI 48084 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 10.93% |
| MARY M CAMPBELL3 Filed as: MARY M. CAMPBELL | 9480 WEST Y AVENUE SCHOOLCRAFT, MI 49087 | CONTINENTAL AMERICAN INSURANCE COMPANY | $62 | $0 | $62 | 0.55% |
| ASHLEY M. MESSENGER3 Filed as: ASHLEY MARIE MESSENGER | 41 26TH STREET NORTH BATTLE CREEK, MI 49015 | CONTINENTAL AMERICAN INSURANCE COMPANY | $57 | $0 | $57 | 0.51% |
| ASSUREDPARTNERS3 Filed as: WORKSITE BENFITS LLC | 4200 WEST MICHIGAN AVENUE SUITE 102 KALAMAZOO, MI 49006 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23 | $0 | $23 | 0.21% |
| NANETTE JENNINGS3 Filed as: NANETTE SUE JENNINGS | 65145 NORTH BIG HILL ROAD STURGIS, MI 49091 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | $0 | $19 | 0.17% |
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 | 193 | 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) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 224 | $1.3M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 224 | $473K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 193 | $80K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 193 | $80K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 193 | $80K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 193 | $80K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 224 | $1.3M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 193 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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."
No prospect flags tripped on this filing.