| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UPPER PENINSULA MANAGED CARE, LLC3 | 853 W WASHINGTON ST MARQUETTE, MI 49855 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $58K | — | $58K | 3.20% |
| UPPER PENINSULA MANAGED CARE, LLC3 | 853 W WASHINGTON ST MARQUETTE, MI 49855 | DELTA DENTAL OF MICHIGAN | $4K | — | $4K | 4.77% |
| UPPER PENINSULA MANAGED CARE, LLC3 | 853 W WASHINGTON ST MARQUETTE, MI 49855 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 15.00% |
| UPPER PENINSULA MANAGED CARE, LLC3 | 853 W WASHINGTON ST MARQUETTE, MI 49855 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 15.00% |
| UPPER PENINSULA MANAGED CARE, LLC3 | 853 W WASHINGTON ST MARQUETTE, MI 49855 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 15.02% |
| UPPER PENINSULA MANAGED CARE, LLC3 | 853 W WASHINGTON ST MARQUETTE, MI 49855 | VISION SERVICE PLAN | $876 | — | $876 | 6.46% |
| UPPER PENINSULA MANAGED CARE, LLC3 | 853 W WASHINGTON ST MARQUETTE, MI 49855 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $758 | — | $758 | 15.01% |
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 | 182 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 231 | $1.8M |
| Dental | DELTA DENTAL OF MICHIGAN | 223 | $80K |
| Vision | VISION SERVICE PLAN | 122 | $14K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 173 | $24K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 162 | $49K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 173 | $33K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 231 | $1.8M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 173 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.