| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARVEY L LEE3 | 5151 GATEWAY CENTRE S 200 FLINT, MI 48507 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $25K | — | $25K | 1.46% |
| STEPHEN J HETTRICK3 Filed as: STEPHEN N MCCAIN | 27750 STANSBURY DR. #100 FARMINGTON HILLS, MA 48334 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $14K | — | $14K | 0.84% |
| TOTAL BENEFIT SYSTEMS INC3 Filed as: TOTAL BENEFIT SYSTEMS | 5151 GATEWAY CTR STE 200 FLINT, MI 485073929 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 15.60% |
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 | 168 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | 340 | $1.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 728 | $64K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 728 | $64K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 728 | $64K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 728 | $64K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 728 | $64K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 728 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 728 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.