| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRANK J. LEWANDOWSKI3 | 3650 W LIBERTY RD ANN ARBOR, MI 48103 | BLUE CARE NETWORK OF MICHIGAN | $112K | — | $112K | 4.37% |
| BENEFIT SERVICE SOLUTIONS INC3 Filed as: BENEFIT SERVICE SOLUTIONS | 3650 W LIBERTY RD ANN ARBOR, MI 48103 | BLUE CARE NETWORK OF MICHIGAN | — | $1K | $1K | 0.04% |
| FRANK J. LEWANDOWSKI3 | 3650 W LIBERTY RD ANN ARBOR, MI 48103 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $41K | — | $41K | 4.33% |
| BENEFIT SERVICE SOLUTIONS INC3 Filed as: BENEFIT SERVICE SOLUTIONS | 3650 WEST LIBERTY ANN ARBOR, MI 48103 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $285 | $285 | 0.03% |
| ALTERITY GROUP3 Filed as: ALTERITY GROUP LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | CONTINENTAL AMERICAN INSURANCE COMPANY | $96K | — | $96K | 17.43% |
| BENEFIT SERVICE SOLUTIONS INC3 | 3650 W LIBERTY RD ANN ARBOR, MI 48103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $68K | — | $68K | 12.34% |
| BENEFIT SERVICE SOLUTIONS INC3 Filed as: BENEFIT SERVICE SOLUTIONS - FRANK L | 3650 W LIBERTY RD ANN ARBOR, MI 48103 | DELTA DENTAL OF MICHIGAN | $37K | — | $37K | 7.17% |
| BENEFIT SERVICE SOLUTIONS INC3 | 3650 W LIBERTY RD ANN ARBOR, MI 48103 | METROPOLITAN LIFE INSURANCE COMPANY | $37K | — | $37K | 12.78% |
| BENEFIT SERVICE SOLUTIONS INC3 | 3650 W LIBERTY RD ANN ARBOR, MI 48103 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | — | $15K | 14.12% |
| BENEFIT SERVICE SOLUTIONS INC3 | 3650 W LIBERTY RD ANN ARBOR, MI 48103 | VISION SERVICE PLAN | $5K | — | $5K | 5.00% |
| BENEFIT SERVICE SOLUTIONS INC3 Filed as: BENEFIT SERVICE SOLUTIONS | 3650 W LIBERTY RD ANN ARBOR, MI 48103 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 13.69% |
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 | 2,209 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 433 | $3.5M |
| Dental | DELTA DENTAL OF MICHIGAN | 1,431 | $511K |
| Vision | VISION SERVICE PLAN | 773 | $105K |
| Life insurance(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,154 | $451K |
| Short-term disability(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,154 | $451K |
| Long-term disability(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,154 | $451K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 433 | $3.5M |
| Other(4 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,154 | $1000K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,431 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.