| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BSI CORPORATE BENEFITS LLC3 | 205 WEBSTER ST BETHLEHEM, PA 18015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $49K | — | $49K | 4.30% |
| BSI CORPORATE BENEFITS LLC3 | 79 W MARKET ST ST 400 BETHLEHEM, PA 18018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $21K | — | $21K | 1.86% |
| BSI CORPORATE BENEFITS LLC3 | 205 WEBSTER ST BETHLEHEM, PA 18015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | — | $15K | 2.00% |
| BSI CORPORATE BENEFITS LLC4 | 79 W MARKET ST ST 400 BETHLEHEM, PA 18018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $11K | $11K | 1.42% |
| BSI CORPORATE BENEFITS LLC3 | 79 W MARKET ST ST 400 BETHLEHEM, PA 18018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $16K | $16K | 4.94% |
| BSI CORPORATE BENEFITS LLC3 | 205 WEBSTER ST BETHLEHEM, PA 18015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | — | $15K | 4.73% |
| ROY LAMPHIER3 | 17901 HAMILTON RD HIGHLAND PARK, MI 48203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | — | $16K | 8.48% |
| BSI CORPORATE BENEFITS LLC | 205 WEBSTER ST BETHLEHEM, PA 18015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | — | $14K | 7.52% |
| BSI CORPORATE BENEFITS LLC3 | 79 W MARKET ST ST 400 BETHLEHEM, PA 18018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 2.51% |
| BSI CORPORATE BENEFITS LLC5 | 79 W MARKET ST ST 400 BETHLEHEM, PA 18018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $9K | $9K | 5.05% |
| BSI CORPORATE BENEFITS LLC3 | 205 WEBSTER ST BETHLEHEM, PA 18015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 3.16% |
| BSI CORPORATE BENEFITS LLC3 | 205 WEBSTER ST BETHLEHEM, PA 18015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| BSI CORPORATE BENEFITS LLC3 | 79 W MARKET ST ST 400 BETHLEHEM, PA 18018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $666 | $666 | 1.24% |
| BSI CORPORATE BENEFITS LLC3 | 205 WEBSTER ST BETHLEHEM, PA 18015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| BSI CORPORATE BENEFITS LLC3 | 79 W MARKET ST ST 400 BETHLEHEM, PA 18018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $558 | $558 | 1.22% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CARE NETWORK TPA | Contract Administrator Service code 13 | 20500 CIVIC CENTER DR SOUTHFIELD, MI 48076 | $1.4M |
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 TPA | Direct payment from the plan; Other fees; Consulting (general); Insurance services; Float revenue; Contract Administrator; Claims processing Service code 12 | 600 E. LAFAYETTE BLVD DETROIT, MI 48226 | $712K |
| ANTHONY J DARE JR NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Other commissions; Other fees; Non-monetary compensation Service code 22 | 28411 NORTHWESTERN STE SOUTHFIELD, MI 48034 | $269K |
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 | 2,103 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 55 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,141 | $748K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,995 | $511K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,632 | $1.1M |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 482 | $185K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,995 | $291K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,995 | — |
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.