| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CO-STAFF BENEFITS SERVICES INC.3 | 29100 NORTHWESTERN HWY, STE 240 SOUTHFIELD, MI 48034 | GUARDIAN | — | $14K | $14K | 4.66% |
| CO-STAFF BENEFITS SERVICES INC. | 29100 NORTHWESTERN HWY, STE 240 SOUTHFIELD, MI 48034 | BLUE CARE NETWORK OF MICHIGAN | $504 | — | $504 | 2.49% |
| CO-STAFF BENEFITS SERVICES INC. | 29100 NORTHWESTERN HWY, STE 240 SOUTHFIELD, MI 48034 | BLUE CARE NETWORK OF MICHIGAN | $134 | — | $134 | 1.23% |
| CO-STAFF BENEFITS SERVICES INC. | 29100 NORTHWESTERN HWY, STE 240 SOUTHFIELD, MI 48034 | BLUE CARE NETWORK OF MICHIGAN | $314 | — | $314 | 4.63% |
| CO-STAFF BENEFITS SERVICES INC. | 29100 NORTHWESTERN HWY, STE 240 SOUTHFIELD, MI 48034 | BLUE CARE NETWORK OF MICHIGAN | $28 | — | $28 | 1.62% |
| CO-STAFF BENEFITS SERVICES INC. | 29100 NORTHWESTERN HWY, STE 240 SOUTHFIELD, MI 48034 | BLUE CARE NETWORK OF MICHIGAN | — | — | $0 | 0.00% |
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 | 1,436 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,438 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 260 | $397K |
| Dental | GUARDIAN | 475 | $299K |
| Vision | GUARDIAN | 475 | $299K |
| Life insurance | GUARDIAN | 475 | $299K |
| Prescription drug(5 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 260 | $397K |
| Other | GUARDIAN | 475 | $299K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 475 | — |
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.