| 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 | $21K | — | $21K | 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 | $25K | — | $25K | 6.66% |
| BENEFIT SERVICE SOLUTIONS INC3 Filed as: BENEFIT SERVICE SOLUTIONS -ALICIA F | 3650 W LIBERTY RD ANN ARBOR, MI 48103 | DELTA DENTAL OF MICHIGAN | $25K | — | $25K | 6.66% |
| FRANK J. LEWANDOWSKI3 | 3650 W LIBERTY RD ANN ARBOR, MI 48103 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $13K | — | $13K | 3.47% |
| BENEFIT SERVICE SOLUTIONS INC3 | 3650 W LIBERTY RD ANN ARBOR, MI 48103 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | — | $22K | 13.05% |
| BENEFIT SERVICE SOLUTIONS INC3 | 3650 W LIBERTY RD ANN ARBOR, MI 48103 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | — | $18K | 12.25% |
| BENEFIT SERVICE SOLUTIONS INC3 | 3650 W LIBERTY RD ANN ARBOR, MI 48103 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | — | $14K | 12.59% |
| BENEFIT SERVICE SOLUTIONS INC3 Filed as: BENEFIT SERVICE SOLUTIONS - FRANK L | 3650 W LIBERTY RD ANN ARBOR, MI 48103 | DELTA DENTAL OF MICHIGAN | $7K | — | $7K | 6.60% |
| BENEFIT SERVICE SOLUTIONS INC3 Filed as: BENEFIT SERVICE SOLUTIONS -ALICIA F | 3650 W LIBERTY RD ANN ARBOR, MI 48103 | DELTA DENTAL OF MICHIGAN | $7K | — | $7K | 6.60% |
| BENEFIT SERVICE SOLUTIONS INC3 | 3650 W LIBERTY RD ANN ARBOR, MI 48103 | VISION SERVICE PLAN | $5K | — | $5K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: WILLIAM BROWN | 38700 MAIN ST. NEW BALTIMORE, MI 48047 | CONTINENTAL AMERICAN INSURANCE COMPANY | $339 | — | $339 | 2.96% |
| ALAN BERGMANN | 2144 MADERO DR. THE VILLAGES, FL 32159 | CONTINENTAL AMERICAN INSURANCE COMPANY | $312 | — | $312 | 2.73% |
| BENEFIT SERVICE SOLUTIONS INC | 3650 W LIBERTY RD ANN ARBOR, MI 48103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $183 | — | $183 | 1.60% |
| DAVID ROTH Filed as: DAVID ZICK | 30800 TELEGRAPH ROAD, SUITE 3800 BINGHAM FARMS, MI 48025 | CONTINENTAL AMERICAN INSURANCE COMPANY | $72 | — | $72 | 0.63% |
| CASEY BIERLEIN | 3 FRANCONIAN CT FRANKENMUTH, MI 48734 | CONTINENTAL AMERICAN INSURANCE COMPANY | $48 | — | $48 | 0.42% |
| FRANKENMUTH CREDIT UNION | 580 NORTH MAIN FRANKENMUTH, MI 48734 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | — | $26 | 0.23% |
| AG AND ASSOCIATES | 2150 ASSOCIATION DRIVE, SUITE 150 OKEMOS, MI 48864 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20 | — | $20 | 0.17% |
| JULIE SLAUGHTER | 430 BOARDWALK WALLED LAKE, MI 48390 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| HEATHER DOLLIVER | 212 W SILVER LAKE ROAD FENTON, MI 48430 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| JEFFREY C WERNER Filed as: JEFFREY WERNER | 18096 TRUDY DRIVE SPRING LAKE, MI 49456 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| BCL INSURANCE AGENCY LLC3 Filed as: BCL INSURANCE AGENCY, LLC | 3000 TAFT ROAD BRUCE TWP, MI 48065 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 1.00% |
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 | 1,523 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,523 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 244 | $970K |
| Dental(2 contracts) | DELTA DENTAL OF MICHIGAN | 924 | $480K |
| Vision | VISION SERVICE PLAN | 602 | $95K |
| Life insurance(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 849 | $426K |
| Short-term disability(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 849 | $426K |
| Long-term disability(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 849 | $424K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 244 | $970K |
| Other(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 849 | $436K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 924 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.