| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY Filed as: JAMES F. PICKFORD | 2929 SPRING ARBOR ROAD JACKSON, MI 492033609 | BLUE CARE NETWORK OF MICHIGAN | $62K | — | $62K | 2.96% |
| JFP BENEFIT MANAGEMENT INC3 | PO BOX 189 JACKSON, MI 492040189 | BLUE CARE NETWORK OF MICHIGAN | — | $2K | $2K | 0.11% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES F. PICKFORD | 2929 SPRING ARBOR ROAD JACKSON, MI 492033609 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $5K | — | $5K | 3.17% |
| JFP BENEFIT MANAGEMENT INC3 | PO BOX 189 JACKSON, MI 482040189 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $956 | $956 | 0.62% |
| JFP BENEFIT MANAGEMENT INC4 | PO BOX 189 JACKSON, MI 492040189 | DELTA DENTAL OF MICHIGAN | $5K | — | $5K | 4.76% |
| JFP BENEFIT MANAGEMENT INC3 | PO BOX 189 JACKSON, MI 492040189 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 10.00% |
| JFP BENEFIT MANAGEMENT INC3 | PO BOX 189 JACKSON, MI 492040189 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 10.00% |
| JFP BENEFIT MANAGEMENT INC3 | PO BOX 189 JACKSON, MI 492040189 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $273 | — | $273 | 9.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| JAMES F. PICKFORD INSURANCE AGENT | Other commissions; Other fees; Insurance agents and brokers; Non-monetary compensation; Insurance brokerage commissions and fees Service code 22 | 2929 SPRING ARBOR RD JACKSON, MI 492033609 | $67K |
| JFP BENEFITS MANAGEMENT, INC INSURANCE AGENT | Non-monetary compensation; Other fees; Insurance agents and brokers; Insurance brokerage commissions and fees; Other commissions Service code 22 | PO BOX 189 JACKSON, MI 492040189 | $23K |
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 | 244 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 244 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 393 | $2.2M |
| Dental | DELTA DENTAL OF MICHIGAN | 451 | $115K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 393 | $155K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $70K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $67K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 393 | $2.2M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 451 | — |
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.