| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIANE D. WHEELOCK3 | 120 W SAGINAW E LANSING, MI 488548854 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $26K | — | $26K | 2.24% |
| VIRGINIA GIBSON3 | 120 W SAGINAW EAST LANSING, MI 488548854 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $8K | — | $8K | 0.71% |
| MSMS PHYSICIANS INSURANCE AGENCY3 Filed as: MSMS PHYSICIAN SERVICES, INC. | 120 W SAGINAW ST EAST LANSING, MI 48823 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 4.65% |
| MSMS PHYSICIANS INSURANCE AGENCY3 | 120 W SAGINAW ST E LANSING, MI 48823 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 7.26% |
| 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 Filed as: MSMS-PHYSICIANS INSURANCE AGENCY | 120 W SAGINAW ST EAST LANSING, MI 48823 | VISION SERVICE PLAN | $763 | — | $763 | 5.60% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DIANE D WHEELOCK BROKER | Insurance agents and brokers; Non-monetary compensation; Insurance brokerage commissions and fees; Other fees; Other commissions Service code 22 | 120 W SAGINAW EAST LANSING, MI 488548854 | $26K |
| MSMS - PHYSICIANS INSURANCE AGENCY BROKER | Other fees; Insurance brokerage commissions and fees; Insurance agents and brokers; Non-monetary compensation; Other commissions Service code 22 | 120 W SAGINAW ST EAST LANSING, MI 48823 | $8K |
| VIRGINIA GIBSON BROKER | Insurance agents and brokers; Other commissions; Other fees; Insurance brokerage commissions and fees; Non-monetary compensation Service code 22 | 120 W SAGINAW EAST LANSING, MI 48854 | $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 | 88 | 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) | 88 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 193 | $1.2M |
| Dental | DELTA DENTAL OF MICHIGAN | 110 | $59K |
| Vision | VISION SERVICE PLAN | 75 | $14K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 88 | $51K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 193 | $1.2M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 88 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.