| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JFP BENEFIT MANAGEMENT INC3 | 100 SOUTH JACKSON SUITE 200 JACKSON, MI 49201 | BLUE CARE NETWORK OF MICHIGAN | $38K | — | $38K | 2.47% |
| JFP BENEFIT MANAGEMENT INC3 Filed as: JFP BENEFIT MANAGEMENT, INC | P.O. BOX 189 JACKSON, MI 49204 | DELTA DENTAL OF MICHIGAN | $7K | — | $7K | 5.09% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES F PICKFORD | P.O. BOX 189 JACKSON, MI 492040189 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $5K | $505 | $5K | 5.81% |
| JFP BENEFIT MANAGEMENT INC3 Filed as: JFP BENEFITS MANAGEMENT INC | 100 SOUTH JACKSON SUITE 200 JACKSON, MI 49204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 9.18% |
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 | 210 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 431 | $1.6M |
| Dental | DELTA DENTAL OF MICHIGAN | 566 | $146K |
| Vision | BLUE CARE NETWORK OF MICHIGAN | 431 | $1.6M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 224 | $70K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 224 | $70K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 431 | $1.6M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 224 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 566 | — |
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.