| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES F. PICKFORD | PO BOX 189 JACKSON, MI 492040189 | BLUE CARE NETWORK OF MICHIGAN | $31K | $2K | $34K | 1.93% |
| JFP BENEFIT MANAGEMENT INC3 Filed as: JFP BENEFIT MANAGEMENT, INC. | PO BOX 189 JACKSON, MI 49204 | DELTA DENTAL OF MICHIGAN | $6K | — | $6K | 4.74% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES F. PICKFORD | PO BOX 189 JACKSON, MI 492040189 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $3K | $115 | $3K | 2.50% |
| JFP BENEFIT MANAGEMENT INC Filed as: JFP BENEFIT MANAGEMENT INC. | 100 SOUTH JACKSON STE 200 JACKSON, MI 49204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 12.13% |
| JFP BENEFIT MANAGEMENT INC3 | 100 SOUTH JACKSON STE 200 JACKSON, MI 49204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 16.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| JAMES F. PICKFORD INSURANCE BROKER | Insurance brokerage commissions and fees; Insurance agents and brokers; Other commissions; Non-monetary compensation; Other fees Service code 22 | PO BOX 189 JACKSON, MI 492011266 | $43K |
| JFP BENEFIT MANAGEMENT, INC INSURANCE BROKER | Insurance brokerage commissions and fees; Non-monetary compensation; Insurance agents and brokers; Other fees; Other commissions Service code 22 | PO BOX 189 JACKSON, MI 49204 | $8K |
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 | 245 | 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) | 245 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 396 | $1.9M |
| Dental | DELTA DENTAL OF MICHIGAN | 515 | $137K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 392 | $119K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 215 | $61K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 215 | $45K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 215 | $45K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 396 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 515 | — |
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.