| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BSI CORPORATE BENEFITS LLC3 | 79 W. MARKET ST. STE 400 BETHLEHEM, PA 18018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $78K | $58K | $136K | 6.70% |
| ROY LAMPHIER3 | 11 CAMBRIDGE BLVD. PLEASANT RIDGE, MI 480691104 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 0.37% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 TPA | Claims processing; Float revenue; Insurance services; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees; Direct payment from the plan; Contract Administrator Service code 12 | 600 E. LAFAYETTE BLVD DETROIT, MI 48226 | $833K |
| BLUE CARE NETWORK EIN 38-3134881 TPA | Contract Administrator Service code 13 | 20500 CIVIC CENTER DR SOUTHFIELD, MI 48076 | $454K |
| ANTHONY J DARE JR. AGENT | Other fees; Other commissions; Insurance brokerage commissions and fees; Non-monetary compensation; Insurance agents and brokers Service code 22 | 28411 NORTHWESTERN STE 1150 SOUTHFIELD, MI 48034 | $221K |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,535 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,535 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,434 | $2.0M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,434 | $2.0M |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,434 | $2.0M |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,434 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,434 | — |
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.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.