| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MATTHEW J MCDONALD3 | PO BOX 98 WALLED LAKE, MI 48390 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $92K | — | $92K | 2.87% |
| MCDONALD FINANCIAL3 Filed as: MCDONALD FINANCIAL INC | PO BOX 98 WALLED LAKE, MI 48390 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $12K | $12K | 0.37% |
| ACTION BENEFITS COMPANY3 | 25800 NORTHWESTERN HWY SUITE 600 SOUTHFIELD, MI 48075 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $8K | — | $8K | 0.24% |
| MATTHEW J MCDONALD3 | PO BOX 98 WALLED LAKE, MI 48390 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $10K | — | $10K | 5.34% |
| MCDONALD FINANCIAL3 | PO BOX 98 WALLED LAKE, MI 48390 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $3K | $3K | 1.39% |
| MCDONALD FINANCIAL3 | 126 W WALLED LAKE ROAD WALLED LAKE, MI 48390 | AMERICAN UNITED HEALTH INSURANCE COMPANY | $12K | — | $12K | 27.00% |
| MCDONALD FINANCIAL3 | 126 W WALLED LAKE ROAD WALLED LAKE, MI 48390 | AMERICAN UNITED HEALTH INSURANCE COMPANY | $10K | — | $10K | 25.00% |
| MCDONALD FINANCIAL3 | 126 W WALLED LAKE ROAD WALLED LAKE, MI 48390 | AMERICAN UNITED HEALTH INSURANCE COMPANY | $7K | — | $7K | 25.00% |
| MCDONALD FINANCIAL3 | 126 W WALLED LAKE ROAD WALLED LAKE, MI 48390 | AMERICAN UNITED HEALTH INSURANCE COMPANY | $2K | $3K | $5K | 60.82% |
| MATT MCDONALD3 | 126 W WALLED LAKE ROAD WALLED LAKE, MI 48390 | DENCAP DENTAL PLANS, INC. | $92 | — | $92 | 10.00% |
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 | 466 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 468 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 553 | $3.2M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 545 | $189K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 553 | $3.2M |
| Life insurance(2 contracts) | AMERICAN UNITED HEALTH INSURANCE COMPANY | 508 | $47K |
| Short-term disability | AMERICAN UNITED HEALTH INSURANCE COMPANY | 83 | $45K |
| Long-term disability | AMERICAN UNITED HEALTH INSURANCE COMPANY | 105 | $29K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 553 | $3.2M |
| Other(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 553 | $3.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 553 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.