| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JENNIFER DARBY3 | 31700 MIDDLEBELT ROAD STE230 FARMINGTON HILLS, MI 483348334 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $90K | $0 | $90K | 3.09% |
| ACCESS BENEFITS GROUP LLC3 | 28800 ORCHARD LAKE RD FARMINGTON HILLS, MI 483348334 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $2K | $2K | 0.07% |
| JENNIFER DARBY3 | 31700 MIDDLEBELT ROAD STE230 FARMINGTON HILLS, MI 483348334 | BLUE CARE NETWORK OF MICHIGAN | $41K | $0 | $41K | 2.76% |
| ACCESS BENEFITS GROUP LLC3 | 28800 ORCHARD LAKE RD FARMINGTON HILLS, MI 483348334 | BLUE CARE NETWORK OF MICHIGAN | $0 | $1K | $1K | 0.10% |
| ACCESS BENEFITS GROUP LLC3 | 28800 ORCHARD LAKE RD 2ND FLOOR FARMINGTON, MI 48334 | THE GUARDIAN LIFE INSURANCE CO OF AMERICA | $92K | $0 | $92K | 10.00% |
| ACCESS BENEFITS, INC.3 Filed as: ACCESS | 28800 ORCHARD LAKE RD 2ND FLOOR FARMINGTON, MI 48334 | THE GUARDIAN LIFE INSURANCE CO OF AMERICA | $136K | $0 | $136K | 17.00% |
| ACCESS BENEFITS GROUP LLC3 | 28800 ORCHARD LAKE RD 2ND FLOOR FARMINGTON, MI 48334 | THE GUARDIAN LIFE INSURANCE CO OF AMERICA | $35K | $0 | $35K | 23.00% |
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 | 1,303 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,303 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 701 | $4.4M |
| Dental | THE GUARDIAN LIFE INSURANCE CO OF AMERICA | 1,296 | $923K |
| Vision | THE GUARDIAN LIFE INSURANCE CO OF AMERICA | 1,296 | $923K |
| Life insurance | THE GUARDIAN LIFE INSURANCE CO OF AMERICA | 1,303 | $801K |
| Short-term disability(2 contracts) | THE GUARDIAN LIFE INSURANCE CO OF AMERICA | 1,303 | $954K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE CO OF AMERICA | 1,303 | $801K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 701 | $4.4M |
| Other(2 contracts) | THE GUARDIAN LIFE INSURANCE CO OF AMERICA | 1,303 | $954K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,303 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.