| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BSI CORPORATE BENEFITS LLC3 | 79 W. MARKET STREET STE. 400 BETHLEHEM, PA 18018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $43K | $21K | $64K | 6.44% |
| BSI CORPORATE BENEFITS LLC4 | 79 W. MARKET STREET STE. 400 BETHLEHEM, PA 18018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | $11K | $27K | 3.31% |
| BSI CORPORATE BENEFITS LLC3 | 79 W. MARKET STREET STE. 400 BETHLEHEM, PA 18018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $16K | $31K | 10.29% |
| BSI CORPORATE BENEFITS LLC3 | 79 W. MARKET STREET STE. 400 BETHLEHEM, PA 18018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $4K | $18K | 9.78% |
| ROY LAMPHIER3 | 11 CAMBRIDGE BLVD PLEASANT RIDGE, MI 480691104 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | — | $15K | 8.48% |
| BSI CORPORATE BENEFITS LLC5 | 79 W. MARKET STREET STE. 400 BETHLEHEM, PA 18018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $9K | $15K | 9.06% |
| BSI CORPORATE BENEFITS LLC3 | 79 W. MARKET STREET STE. 400 BETHLEHEM, PA 18018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| BSI CORPORATE BENEFITS LLC3 | 79 W. MARKET STREET STE. 400 BETHLEHEM, PA 18018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CARE NETWORK EIN 38-2359234 TPA | Contract Administrator Service code 13 | 20500 CIVIC CENTER DR SOUTHFIELD, MI 48076 | $1.3M |
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 TPA | Contract Administrator; Direct payment from the plan; Consulting (general); Other fees; Claims processing; Insurance services; Float revenue Service code 12 | 600 E. LAFAYETTE BLVD DETROIT, MI 48226 | $684K |
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 | 1,553 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 312 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,865 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,203 | $813K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,248 | $484K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,621 | $993K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 536 | $167K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,248 | $217K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,248 | — |
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.