| 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 | $80K | — | $80K | 3.99% |
| FRANK J. LEWANDOWSKI3 | 3650 W LIBERTY RD ANN ARBOR, MI 48103 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $43K | — | $43K | 3.86% |
| BENEFIT SERVICE SOLUTIONS INC3 Filed as: BENEFIT SERVICE SOLUTIONS - FRANK L | 3650 W LIBERTY RD ANN ARBOR, MI 48103 | DELTA DENTAL OF MICHIGAN | $16K | — | $16K | 7.37% |
| BENEFIT SERVICE SOLUTIONS INC3 Filed as: BENEFIT SERVICE SOLUTIONS - FRANK L | 3650 W LIBERTY RD ANN ARBOR, MI 48103 | DELTA DENTAL OF MICHIGAN | $11K | — | $11K | 6.28% |
| BENEFIT SERVICE SOLUTIONS INC3 | 3650 W LIBERTY RD ANN ARBOR, MI 48103 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | — | $19K | 14.28% |
| BENEFIT SERVICE SOLUTIONS INC3 | 3650 W LIBERTY RD ANN ARBOR, MI 48103 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | — | $18K | 13.65% |
| BENEFIT SERVICE SOLUTIONS INC3 | 3650 W LIBERTY RD ANN ARBOR, MI 48103 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | — | $15K | 12.99% |
| BENEFIT SERVICE SOLUTIONS INC3 | 3650 W LIBERTY RD ANN ARBOR, MI 48103 | VISION SERVICE PLAN | $5K | — | $5K | 5.40% |
| BENEFIT SERVICE SOLUTIONS INC3 Filed as: BENEFIT SERVICE SOLUTIONS - FRANK L | 3650 W LIBERTY RD ANN ARBOR, MI 48103 | DELTA DENTAL OF MICHIGAN | $4K | — | $4K | 7.13% |
| FRANKENMUTH CREDIT UNION1 | 580 NORTH MAIN FRANKENMUTH, MI 48734 | CONTINENTAL AMERICAN INSURANCE COMPANY | $144 | — | $144 | 5.71% |
| ALAN BERGMANN3 | 2144 MADERO DR. THE VILLAGES, FL 32159 | CONTINENTAL AMERICAN INSURANCE COMPANY | $107 | — | $107 | 4.24% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WILLIAM BROWN | 38700 MAIN ST. NEW BALTIMORE, MI 48047 | CONTINENTAL AMERICAN INSURANCE COMPANY | $41 | — | $41 | 1.63% |
| CASEY BIERLEIN3 | 3 FRANCONIAN CT FRANKENMUTH, MI 48734 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.36% |
| DAVID ROTH3 Filed as: DAVID ZICK | 30800 TELEGRAPH ROAD, SUITE 3800 BINGHAM FARMS, MI 48025 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.28% |
| AG AND ASSOCIATES3 | 2150 ASSOCIATION DRIVE, SUITE 150 OKEMOS, MI 48864 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.08% |
| JULIE SLAUGHTER3 | 430 BOARDWALK WALLED LAKE, MI 48390 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.04% |
| HEATHER DOLLIVER3 | 212 W SILVER LAKE ROAD FENTON, MI 48430 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.04% |
| JEFFREY C WERNER3 Filed as: JEFFREY WERNER | 18096 TRUDY DRIVE SPRING LAKE, MI 49456 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.04% |
| BCL INSURANCE AGENCY LLC3 | 64155 VAN DYKE WASHINGTON, MI 48095 | COLONIAL LIFE & ACCIDENT INSURANCE | $5 | — | $5 | 0.33% |
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 | 1,442 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,442 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 336 | $3.1M |
| Dental(3 contracts) | DELTA DENTAL OF MICHIGAN | 507 | $444K |
| Vision | VISION SERVICE PLAN | 570 | $90K |
| Life insurance(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 796 | $381K |
| Short-term disability(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 796 | $380K |
| Long-term disability(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 796 | $380K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 336 | $3.1M |
| Other(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 796 | $382K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 796 | — |
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.