| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RAJEN SHETH3 | 27950 ORCHARD LAKE ROAD, SUITE 111 FARMINGTON HILLS, MI 48334 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $23K | $54 | $23K | 2.66% |
| RAJEN SHETH3 | 27950 ORCHARD LAKE ROAD, SUITE 111 FARMINGTON HILLS, MI 48334 | BLUE CARE NETWORK OF MICHIGAN | $14K | $105 | $14K | 2.18% |
| APEX FINANCIAL SERVICES3 | 27950 ORCHARD LAKE ROAD, SUITE 111 FARMINGTON HILLS, MI 48334 | UNITED OF OMAHA GLTD 0B4KX | $5K | $4K | $8K | 12.35% |
| APEX FINANCIAL SERVICES3 | 27950 ORCHARD LAKE ROAD, SUITE 111 FARMINGTON HILLS, MI 48334 | UNITED OF OMAHA GVTL 0B4KX | $7K | $2K | $9K | 17.62% |
| APEX FINANCIAL SERVICES3 | 27950 ORCHARD LAKE ROAD, SUITE 111 FARMINGTON HILLS, MI 48334 | UNITED OF OMAHA GUC 0B4KX | $5K | $2K | $6K | 17.82% |
| APEX FINANCIAL SERVICES3 | 27950 ORCHARD LAKE ROAD, SUITE 111 FARMINGTON HILLS, MI 48334 | UNITED OF OMAHA GLUG 0B4KX | $2K | $1K | $3K | 15.41% |
| APEX FINANCIAL SERVICES3 | 27950 ORCHARD LAKE ROAD, SUITE 111 FARMINGTON HILLS, MI 48334 | UNITED OF OMAHA GUDH 0B4KX | $4K | $1K | $5K | 25.89% |
| APEX FINANCIAL SERVICES3 | 27950 ORCHARD LAKE ROAD, SUITE 111 FARMINGTON HILLS, MI 48334 | UNITED OF OMAHA GUDE 0B4KX | $2K | — | $2K | 10.00% |
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 | 404 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 404 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 404 | $1.5M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 404 | $861K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 404 | $861K |
| Life insurance(3 contracts, 3 carriers) | UNITED OF OMAHA GVTL 0B4KX | 364 | $94K |
| Short-term disability | UNITED OF OMAHA GUC 0B4KX | 91 | $36K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA GLTD 0B4KX | 364 | $86K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 404 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 404 | — |
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.