| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JONATHAN M POPE3 | 101 W BIG BEAVER STE 600 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $24K | $0 | $24K | 1.17% |
| RICHARD H PHILLIPS3 Filed as: RICHARD E OTTO JR | 1690 WATERTOWER PLACE #500 EAST LANSING, MI 48823 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $15K | $8K | $23K | 1.15% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 101 W BIG BEAVER RD STE 600 TROY, MI 48084 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | $0 | $3K | 7.01% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 20TH FLOOR NEW YORK, NY 10173 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $821 | $0 | $821 | 1.98% |
| DAVID CHAPMAN AGENCY, INC.3 | P.O. BOX 30109 LANSING, MI 489097609 | HARTFORD LIFE AND ACCIDENT | $3K | $0 | $3K | 6.37% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | HARTFORD LIFE AND ACCIDENT | $2K | $0 | $2K | 4.00% |
| DAVID CHAPMAN AGENCY, INC.3 Filed as: DAVID CHAPMAN AGENCY | 5700 W MOUNT HOPE HWY LANSING, MI 489178590 | PRINCIPAL LIFE INSURANCE COMPANY | $572 | $0 | $572 | 6.85% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICE NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | PRINCIPAL LIFE INSURANCE COMPANY | $194 | $0 | $194 | 2.32% |
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 | 450 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 455 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 927 | $2.0M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 901 | $41K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 449 | $8K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 232 | $41K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 927 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 927 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.