| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DENISE LEWANIAK3 Filed as: DENISE A LEWANIAK | 1150 BOYNE AVENUE BOYNE CITY, MI 497129645 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $9K | $44K | $54K | 1.54% |
| FLINN FINANCIAL, INC.3 Filed as: FLINN FINANCIAL INC | 1150 BOYNE AVE BOYNE CITY, MI 49712 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 5.37% |
| FLINN FINANCIAL, INC.3 Filed as: FLINN FINANCIAL INC | 1150 BOYNE AVE BOYNE CITY, MI 49712 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.00% |
| FLINN FINANCIAL, INC.3 Filed as: FLINN FINANCIAL INC | 1150 BOYNE AVE BOYNE CITY, MI 49712 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $215 | — | $215 | 10.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 TPA | Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Insurance services; Other fees; Claims processing; Contract Administrator; Direct payment from the plan; Consulting (general) Service code 12 | — | $291K |
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 | 274 | 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) | 274 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 274 | $3.5M |
| Life insurance(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 251 | $186K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 251 | $161K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 251 | $184K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 274 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.