| 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 | $39K | — | $39K | 2.77% |
| APEX FINANCIAL SERVICES3 | 27950 ORCHARD LAKE ROAD, SUITE 111 FARMINGTON HILLS, MI 48334 | BLUE CARE NETWORK OF MICHIGAN | — | $767 | $767 | 0.05% |
| RAJEN SHETH3 | 27950 ORCHARD LAKE ROAD, SUITE 111 FARMINGTON HILLS, MI 48334 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $5K | — | $5K | 4.57% |
| APEX FINANCIAL SERVICES3 | 27950 ORCHARD LAKE ROAD, SUITE 111 FARMINGTON HILLS, MI 48334 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $58 | $58 | 0.06% |
| APEX FINANCIAL SERVICES3 | 27950 ORCHARD LAKE ROAD, SUITE 111 FARMINGTON HILLS, MI 48334 | UNITED OF OMAHA GVTL 0B4KX | $6K | — | $6K | 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 GUPR 0B4KX | $3K | — | $3K | 12.27% |
| APEX FINANCIAL SERVICES3 | 27950 ORCHARD LAKE ROAD, SUITE 111 FARMINGTON HILLS, MI 48334 | UNITED OF OMAHA GLUG 0B4KX | $2K | — | $2K | 10.00% |
| APEX FINANCIAL SERVICES3 | 27950 ORCHARD LAKE ROAD, SUITE 111 FARMINGTON HILLS, MI 48334 | UNITED OF OMAHA GUDH 0B4KX | $3K | — | $3K | 20.00% |
| APEX FINANCIAL SERVICES3 | 27950 ORCHARD LAKE ROAD, SUITE 111 FARMINGTON HILLS, MI 48334 | UNITED OF OMAHA GUDE 0B4KX | $1K | — | $1K | 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 | 284 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 284 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 291 | $1.5M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 284 | $103K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 284 | $103K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA GVTL 0B4KX | 397 | $65K |
| Short-term disability(3 contracts, 3 carriers) | UNITED OF OMAHA GUC 0B4KX | 81 | $58K |
| Long-term disability | UNITED OF OMAHA GUPR 0B4KX | 75 | $27K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 291 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 397 | — |
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.