| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BSI CORPORATE BENEFITS LLC3 | 29100 NORTHWESTERN HIGHWAY STE 310 SOUTHFIELD, MI 48034 | BLUE CARE NETWORK OF MICHIGAN | $223K | — | $223K | 3.66% |
| ANTHONY J DARE JR3 | 28411 NORTHWESTERN HIGHWAY, STE 115 SOUTHFIELD, MI 480345567 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $377K | $6K | $384K | 8.64% |
| BSI CORPORATE BENEFITS LLC3 | 29100 NORTHWESTERN HIGHWAY STE 310 SOUTHFIELD, MI 48034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $74K | $50K | $124K | 6.50% |
| ROY LAMPHIER3 | 11 CAMBRIDGE BLVD. PLEASANT RIDGE, MI 480691104 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 0.36% |
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 | 2,301 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,301 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 2,301 | $10.5M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,347 | $1.9M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,347 | $1.9M |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,347 | $1.9M |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,347 | $1.9M |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 1,372 | $8.0M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,347 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,301 | — |
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.