| 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 | $70K | — | $70K | 3.61% |
| FRANK J. LEWANDOWSKI3 | 3650 W LIBERTY RD ANN ARBOR, MI 48103 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $37K | — | $37K | 3.56% |
| BENEFIT SERVICE SOLUTIONS INC3 Filed as: BENEFIT SERVICE SOLUTIONS - FRANK L | 3650 W LIBERTY RD ANN ARBOR, MI 48103 | DELTA DENTAL OF MICHIGAN | $53K | — | $53K | 7.04% |
| BENEFIT SERVICE SOLUTIONS INC3 | 3650 W LIBERTY RD ANN ARBOR, MI 48103 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | — | $21K | 14.37% |
| BENEFIT SERVICE SOLUTIONS INC3 | 3650 W LIBERTY RD ANN ARBOR, MI 48103 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | — | $20K | 14.39% |
| ALTERITY GROUP3 Filed as: ALTERITY GROUP LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19K | — | $19K | 15.54% |
| BENEFIT SERVICE SOLUTIONS INC3 Filed as: BENEFIT SERVICE SOLUTIONS | 3650 WEST LIBERTY ANN ARBOR, MI 48103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $662 | — | $662 | 0.53% |
| BENEFIT SERVICE SOLUTIONS INC3 | 3650 W LIBERTY RD ANN ARBOR, MI 48103 | VISION SERVICE PLAN | $4K | — | $4K | 5.05% |
| BENEFIT SERVICE SOLUTIONS INC3 | 3650 W LIBERTY RD ANN ARBOR, MI 48103 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | — | $11K | 16.92% |
| BCL INSURANCE AGENCY LLC3 | 64155 VAN DYKE WASHINGTON, MI 48095 | COLONIAL LIFE & ACCIDENT INSURANCE | $1 | — | $1 | 0.34% |
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 | 1,374 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,374 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 278 | $3.0M |
| Dental | DELTA DENTAL OF MICHIGAN | 1,867 | $747K |
| Vision | VISION SERVICE PLAN | 538 | $81K |
| Life insurance(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 784 | $346K |
| Short-term disability(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 784 | $346K |
| Long-term disability(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 784 | $346K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 278 | $3.0M |
| Other(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 784 | $471K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,867 | — |
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.