| 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 | $75K | — | $75K | 3.99% |
| FRANK J. LEWANDOWSKI3 | 3650 W LIBERTY RD ANN ARBOR, MI 48103 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $48K | — | $48K | 4.13% |
| BENEFIT SERVICE SOLUTIONS INC3 Filed as: BENEFIT SERVICE SOLUTIONS - FRANK L | 3650 W LIBERTY RD ANN ARBOR, MI 48103 | DELTA DENTAL OF MICHIGAN | $42K | — | $42K | 6.46% |
| 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 | 7.71% |
| BENEFIT SERVICE SOLUTIONS INC3 | 3650 W LIBERTY RD ANN ARBOR, MI 48103 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | — | $18K | 13.07% |
| BENEFIT SERVICE SOLUTIONS INC3 | 3650 W LIBERTY RD ANN ARBOR, MI 48103 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | — | $16K | 12.48% |
| BENEFIT SERVICE SOLUTIONS INC3 | 3650 W LIBERTY RD ANN ARBOR, MI 48103 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | — | $17K | 12.99% |
| BENEFIT SERVICE SOLUTIONS INC3 | 3650 W LIBERTY RD ANN ARBOR, MI 48103 | VISION SERVICE PLAN | $4K | — | $4K | 4.95% |
| BENEFIT SERVICE SOLUTIONS INC3 Filed as: BENEFIT SERVICE SOLUTIONS - FRANK L | 3650 W LIBERTY RD ANN ARBOR, MI 48103 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 7.57% |
| BCL INSURANCE AGENCY LLC3 | 64155 VAN DYKE WASHINGTON, MI 48095 | COLONIAL LIFE & ACCIDENT INSURANCE | $5 | — | $5 | 0.33% |
| FRANKENMUTH CREDIT UNION1 | 580 NORTH MAIN FRANKENMUTH, MI 48734 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 1.30% |
| ALAN BERGMANN3 | 2144 MADERO DR. THE VILLAGES, FL 32159 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.87% |
| CASEY BIERLEIN3 | 3 FRANCONIAN CT FRANKENMUTH, MI 48734 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.43% |
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 | 1,356 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,356 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 328 | $3.0M |
| Dental(3 contracts) | DELTA DENTAL OF MICHIGAN | 2,052 | $835K |
| Vision | VISION SERVICE PLAN | 549 | $88K |
| Life insurance(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 705 | $403K |
| Short-term disability(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 705 | $402K |
| Long-term disability(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 705 | $402K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 328 | $3.0M |
| Other(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 705 | $402K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,052 | — |
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.