| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHEN J HETTRICK3 Filed as: STEPHEN N MCCAIN | 27750 STANSBURY DR #100 FARMINGTON HILLS, MI 48334 | BLUE CARE NETWORK OF MICHIGAN | $13K | — | $13K | 3.76% |
| ACTION BENEFITS COMPANY3 | 26533 EVERGREEN RD STE 400 26533 EVERGREEN RD STE 400 SOUTHFIELD, MI 48076 | BLUE CARE NETWORK OF MICHIGAN | $3K | — | $3K | 0.84% |
| EDWARD SOMMER3 | 300 W WILSON BRIDGE RD STE 300 01 WORTHINGTON, OH 43085 | BLUE CARE NETWORK OF MICHIGAN | $2K | — | $2K | 0.52% |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSO LLC 30600 | 30600 NORTHWESTERN HWY STE 200 FARMINGTON HILLS, MI 48334 | BLUE CARE NETWORK OF MICHIGAN | — | $29 | $29 | 0.01% |
| EDWARD SOMMER3 | 300 W WILSON BRIDGE RD STE 300 01 WORTHINGTON, OH 43085 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $3K | — | $3K | 1.01% |
| ACTION BENEFITS COMPANY3 | 26533 EVERGREEN RD STE 400 SOUTHFIELD, MI 48076 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $3K | — | $3K | 0.93% |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSO LLC | 30600 NORTHWESTERN HWY STE 200 FARMINGTON HILLS, MI 48334 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $15 | $15 | 0.01% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS LLC | 5435 CORPORATE DR SUITE 260 TROY, MI 48098 | GUARDIAN | $11K | $4K | $14K | 14.60% |
| LIFETIME FINANCIAL GROWTH OF MI3 | 29800 TELEGRAPH RD SOUTHFIELD, MI 48034 | GUARDIAN | $237 | — | $237 | 0.24% |
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 | 155 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 130 | $632K |
| Dental | GUARDIAN | 124 | $99K |
| Vision | GUARDIAN | 124 | $99K |
| Life insurance | GUARDIAN | 124 | $99K |
| Short-term disability | GUARDIAN | 124 | $99K |
| Long-term disability | GUARDIAN | 124 | $99K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 130 | $632K |
| Other | GUARDIAN | 124 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 130 | — |
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.