| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALICIA FREEMAN3 | 3650 W LIBERTY ROAD ANN ARBOR, MI 48103 | BLUE CARE NETWORK OF MICHIGAN | $44K | — | $44K | 2.25% |
| FRANK J. LEWANDOWSKI3 | 3650 W LIBERTY RD ANN ARBOR, MI 48103 | BLUE CARE NETWORK OF MICHIGAN | $32K | — | $32K | 1.66% |
| ALICIA FREEMAN3 | 3650 W LIBERTY RD ANN ARBOR, MI 48103 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $27K | — | $27K | 2.19% |
| FRANK J. LEWANDOWSKI3 | 3650 W LIBERTY RD ANN ARBOR, MI 48103 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $17K | — | $17K | 1.34% |
| BENEFIT SERVICE SOLUTIONS INC3 Filed as: BENEFIT SERVICE SOLUTIONS - FRANK L | 3650 W LIBERTY RD ANN ARBOR, MI 48103 | DELTA DENTAL OF MICHIGAN | $27K | — | $27K | 7.90% |
| BENEFIT SERVICE SOLUTIONS INC3 | 3650 W LIBERTY RD ANN ARBOR, MI 48103 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | — | $23K | 16.52% |
| BENEFIT SERVICE SOLUTIONS INC3 | 3650 W LIBERTY RD ANN ARBOR, MI 48103 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | — | $21K | 15.96% |
| BENEFIT SERVICE SOLUTIONS INC3 | 3650 W LIBERTY RD ANN ARBOR, MI 48103 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | — | $17K | 15.90% |
| BENEFIT SERVICE SOLUTIONS INC3 | 3650 W LIBERTY RD ANN ARBOR, MI 48103 | VISION SERVICE PLAN | $5K | — | $5K | 5.01% |
| 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 | 7.92% |
| BENEFIT SERVICE SOLUTIONS INC3 Filed as: BENEFIT SERVICE SOLUTIONS - FRANK L | 3650 W LIBERTY RD ANN ARBOR, MI 48103 | DELTA DENTAL OF MICHIGAN | $1K | — | $1K | 1.70% |
| FRANKENMUTH CREDIT UNION1 | 580 NORTH MAIN FRANKENMUTH, MI 48734 | CONTINENTAL AMERICAN INSURANCE COMPANY | $570 | — | $570 | 5.40% |
| ALAN BERGMANN3 | 2144 MADERO DR. THE VILLAGES, FL 32159 | CONTINENTAL AMERICAN INSURANCE COMPANY | $366 | — | $366 | 3.47% |
| CASEY BIERLEIN3 | 3 FRANCONIAN CT FRANKENMUTH, MI 48734 | CONTINENTAL AMERICAN INSURANCE COMPANY | $116 | — | $116 | 1.10% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WILLIAM BROWN | 38700 MAIN ST. NEW BALTIMORE, MI 48047 | CONTINENTAL AMERICAN INSURANCE COMPANY | $108 | — | $108 | 1.02% |
| DAVID ROTH3 Filed as: DAVID ZICK | 30800 TELEGRAPH ROAD, SUITE 3800 BINGHAM FARMS, MI 48025 | CONTINENTAL AMERICAN INSURANCE COMPANY | $39 | — | $39 | 0.37% |
| AG AND ASSOCIATES3 | 2150 ASSOCIATION DRIVE, SUITE 150 OKEMOS, MI 48864 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.14% |
| JASON L GLICK3 | 7628 GRATIOT RD SAGINAW, MI 48609 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 0.12% |
| MATTHEW THOMAS NEMODE3 Filed as: MATTHEW T NEMODE | 3145 OAKBROOK WAY BAY CITY, MI 48706 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.07% |
| HEATHER DOLLIVER3 | 212 W SILVER LAKE ROAD FENTON, MI 48430 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| JEFFREY C WERNER3 Filed as: JEFFREY WERNER | 18096 TRUDY DRIVE SPRING LAKE, MI 49456 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| STEPHANIE L KESSELRING3 Filed as: STEPHANIE KESSELRING | 4112 W OAKELLAR AVE TAMPA, FL 33611 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| JULIE SLAUGHTER3 | 430 BOARDWALK WALLED LAKE, MI 48390 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| BENEFIT SERVICE SOLUTIONS INC3 Filed as: BENEFIT SERVICE SOLUTIONS, INC | 3650 W LIBERTY RD ANN ARBOR, MI 48103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $0 | — | $0 | 0.00% |
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 | 1,460 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,460 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 386 | $3.2M |
| Dental(3 contracts) | DELTA DENTAL OF MICHIGAN | 655 | $491K |
| Vision | VISION SERVICE PLAN | 599 | $98K |
| Life insurance(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 770 | $378K |
| Short-term disability(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 770 | $378K |
| Long-term disability(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 770 | $378K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 386 | $3.2M |
| Other(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 770 | $388K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 770 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.