| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMANDA LYNN FORD3 | 900 WILSHIRE DRIVE, SUITE 330 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $17K | $0 | $17K | 2.01% |
| ROBERT A KELLEHER3 Filed as: ROBERT B. ARTINIAN | 901 WILSHIRE DRIVE, SUITE 330 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $7K | $0 | $7K | 0.78% |
| 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 | 0.15% |
| AMANDA LYNN FORD3 | 900 WILSHIRE DRIVE, SUITE 330 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $9K | $0 | $9K | 2.13% |
| ROBERT A KELLEHER3 Filed as: ROBERT B. ARTINIAN | 901 WILSHIRE DRIVE, SUITE 330 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $5K | $0 | $5K | 1.07% |
| 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 | $960 | $960 | 0.22% |
| WILSHIRE BENEFITS GROUP INC3 Filed as: WILSHIRE BENEFITS GROUP, INC. | 901 WILSHIRE DRIVE, SUITE 300 TROY, MI 48084 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $3K | $11K | 14.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GI GEORGE PARENT LP | 501 OFFICE CENTER DRIVE, SUITE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.02% |
| WILSHIRE BENEFITS GROUP INC3 Filed as: WILSHIRE BENEFITS GROUP, INC. | 901 WILSHIRE DRIVE, SUITE 330 TROY, MI 48084 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $886 | $257 | $1K | 1.43% |
| WILSHIRE BENEFITS GROUP INC3 Filed as: WILSHIRE BENEFITS GROUP, INC. | 901 WILSHIRE DRIVE, SUITE 330 TROY, MI 48084 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 11.56% |
| ASHLEY M. MESSENGER3 | 4200 WEST MICHIGAN AVENUE SUITE 102 KALAMAZOO, MI 49006 | CONTINENTAL AMERICAN INSURANCE COMPANY | $650 | $0 | $650 | 3.70% |
| MARY M CAMPBELL3 Filed as: MARY M. CAMPBELL | 9480 WEST Y AVENUE SCHOOLCRAF, MI 49087 | CONTINENTAL AMERICAN INSURANCE COMPANY | $131 | $0 | $131 | 0.75% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 625 KENMOOR AVENUE SE, SUITE 200 GRAND RAPIDS, MI 49546 | CONTINENTAL AMERICAN INSURANCE COMPANY | $62 | $0 | $62 | 0.35% |
| THE WORKSITE GROUP LLC3 Filed as: WORKSITE BENEFITS, LLC | 2643 120TH AVENUE ALLGEAN, MI 49010 | CONTINENTAL AMERICAN INSURANCE COMPANY | $42 | $0 | $42 | 0.24% |
| NANETTE JENNINGS3 Filed as: NANETTE S. JENNINGS | 65145 BIG HILL ROAD STURGIS, MI 49091 | CONTINENTAL AMERICAN INSURANCE COMPANY | $39 | $0 | $39 | 0.22% |
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 | 190 | 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) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 217 | $1.3M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 217 | $444K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 190 | $80K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 190 | $80K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 190 | $80K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 190 | $80K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 217 | $1.3M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 190 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 217 | — |
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.