| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAGINAW BAY UNDERWRITERS3 Filed as: SAGINAW UNDERWRITERS, INC. | 13690 SWAN CREEK ROAD HEMLOCK, MI 48626 | STANDARD INSURANCE COMPANY | $11K | $53K | $64K | 4.54% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET SUITE 3400 CHICAGO, IL 60661 | STANDARD INSURANCE COMPANY | $16K | $0 | $16K | 1.11% |
| SAGINAW BAY UNDERWRITERS3 Filed as: SAGINAW UNDERWRITERS, INC. | 1258 SOUTH WASHINGTON SAGINAW, TX 48601 | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | $45K | $0 | $45K | 5.07% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | $15K | $0 | $15K | 1.73% |
| SAGINAW BAY UNDERWRITERS3 Filed as: SAGINAW UNDERWRITERS, INC. | 1258 SOUTH WASHINGTON SAGINAW, TX 48601 | EXPRESS SCRIPTS, INC. | $10K | $0 | $10K | 1.27% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | EXPRESS SCRIPTS, INC. | $3K | $0 | $3K | 0.42% |
| SAGINAW BAY UNDERWRITERS3 Filed as: SAGINAW BAY UNDERWRITERS, INC. | PO BOX 1928 SAGINAW, MI 48605 | DELTA DENTAL OF MICHIGAN | $6K | $0 | $6K | 1.15% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | DELTA DENTAL OF MICHIGAN | $5K | $0 | $5K | 0.83% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | VISION SERVICE PLAN | $2K | $0 | $2K | 5.04% |
| SAGINAW BAY UNDERWRITERS3 | 1258 SOUTH WASHINGTON AVENUE SAGINAW, MI 48601 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.83% |
| SAGINAW BAY UNDERWRITERS3 Filed as: SAGINAW UNDERWRITERS, INC. | 1213 SOUTH WASHINGTON SAGINAW, MI 48605 | HARTFORD LIFE AND ACCIDENT | $453 | $0 | $453 | 14.99% |
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 | 1,633 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 252 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,885 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | 252 | $895K |
| Dental | DELTA DENTAL OF MICHIGAN | 1,835 | $563K |
| Vision | VISION SERVICE PLAN | 199 | $41K |
| Life insurance | STANDARD INSURANCE COMPANY | 1,633 | $1.4M |
| Short-term disability | STANDARD INSURANCE COMPANY | 1,633 | $1.4M |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,633 | $1.4M |
| Prescription drug | EXPRESS SCRIPTS, INC. | 231 | $815K |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 1,633 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,835 | — |
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.