| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VIRGINIA GIBSON3 | 120 W SAGINAW 03 EAST LANSING, MI 488548854 | BLUE CARE NETWORK OF MICHIGAN | $13K | $326 | $13K | 1.88% |
| MSMS PHYSICIANS INSURANCE AGENCY3 Filed as: MSMS PHYSICIAN SERVICES, INC. | 120 W SAGINAW ST EAST LANSING, MI 48823 | DELTA DENTAL OF MICHIGAN | $4K | — | $4K | 4.75% |
| MSMS PHYSICIANS INSURANCE AGENCY3 | 120 W SAGINAW ST E LANSING, MI 48823 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| MSMS PHYSICIANS INSURANCE AGENCY3 Filed as: MSMS-PHYSICIANS INSURANCE AGENCY | 120 W SAGINAW ST EAST LANSING, MI 48823 | VISION SERVICE PLAN | $1K | — | $1K | 10.22% |
| MSMS PHYSICIANS INSURANCE AGENCY3 | 120 W SAGINAW ST E LANSING, MI 48823 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| MSMS PHYSICIANS INSURANCE AGENCY3 | 120 W SAGINAW ST E LANSING, MI 48823 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| MSMS PHYSICIANS INSURANCE AGENCY3 | 120 W SAGINAW ST E LANSING, MI 48823 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 12.20% |
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 | 188 | 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) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 133 | $717K |
| Dental | DELTA DENTAL OF MICHIGAN | 188 | $94K |
| Vision | VISION SERVICE PLAN | 88 | $14K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 108 | $22K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 20 | $13K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 133 | $717K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 38 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.