| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | PO BOX 295 GRAND RAPIDS, MI 49501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 15.00% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | PO BOX295 GRAND RAPIDS, MI 49501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 15.00% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES | PO BOX 295 GRAND RAPIDS, MI 49501 | MICHIGAN MANUFACTURERS ASSOCIATION - METLIFE | — | — | $0 | — |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | PO BOX 295 GRAND RAPIDS, MI 49501 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $12K | $45K | $57K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 TPA | Other fees; Direct payment from the plan; Non-monetary compensation; Float revenue; Soft dollars commissions; Other commissions; Contract Administrator; Claims processing; Insurance brokerage commissions and fees; Insurance services; Insurance agents and brokers; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | 600 E. LAFAYETTE BLVD DETROIT, MI 48226 | $238K |
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 | 317 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 317 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 0 | $0 |
| Dental | MICHIGAN MANUFACTURERS ASSOCIATION - METLIFE | 259 | $0 |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 317 | $103K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 317 | $62K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 0 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 317 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.