| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RAJEN SHETH3 | 27950 ORCHARD LAKE ROAD, SUITE 111 FARMINGTON HILLS, MI 48334 | BLUE CARE NETWORK OF MICHIGAN | $30K | — | $30K | 3.29% |
| APEX FINANCIAL SERVICES3 | 27950 ORCHARD LAKE ROAD, SUITE 111 FARMINGTON HILLS, MI 48334 | BLUE CARE NETWORK OF MICHIGAN | — | $964 | $964 | 0.11% |
| RAJEN SHETH3 | 27950 ORCHARD LAKE ROAD, SUITE 111 FARMINGTON HILLS, MI 48334 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $7K | — | $7K | 3.33% |
| APEX FINANCIAL SERVICES3 | 27950 ORCHARD LAKE ROAD, SUITE 111 FARMINGTON HILLS, MI 48334 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $2K | $2K | 0.71% |
| APEX FINANCIAL SERVICES3 | 27950 ORCHARD LAKE ROAD, SUITE 111 FARMINGTON HILLS, MI 48334 | UNITED OF OMAHA GVTL 0B4KX | $7K | — | $7K | 13.00% |
| APEX FINANCIAL SERVICES3 | 27950 ORCHARD LAKE ROAD, SUITE 111 FARMINGTON HILLS, MI 48334 | UNITED OF OMAHA GUC 0B4KX | $4K | — | $4K | 13.00% |
| APEX FINANCIAL SERVICES3 | 27950 ORCHARD LAKE ROAD, SUITE 111 FARMINGTON HILLS, MI 48334 | UNITED OF OMAHA GUDH 0B4KX | $4K | — | $4K | 20.00% |
| APEX FINANCIAL SERVICES3 | 27950 ORCHARD LAKE ROAD, SUITE 111 FARMINGTON HILLS, MI 48334 | UNITED OF OMAHA GLTD 0B4KX | — | — | $0 | — |
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 | 262 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 262 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 262 | $1.1M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 262 | $218K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 262 | $218K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA GVTL 0B4KX | 69 | $72K |
| Short-term disability | UNITED OF OMAHA GUC 0B4KX | 77 | $31K |
| Long-term disability | UNITED OF OMAHA GLTD 0B4KX | 1 | $0 |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 262 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 262 | — |
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.