| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RALPH C WILSON AGENCY INC3 Filed as: RALPH C. WILSON AGENCY, INC. | P.O. BOX 5069 SOUTHFIELD, MI 48086 | DELTA DENTAL OF MICHIGAN | $11K | — | $11K | 5.89% |
| RALPH C WILSON AGENCY INC3 Filed as: RALPH C. WILSON AGENCY INC. | 26026 TELEGRAPH 100 BOX 5069 SOUTHFIELD, MI 48086 | STANDARD INSURANCE COMPANY | $10K | — | $10K | 11.96% |
| RALPH C WILSON AGENCY INC3 Filed as: RALPH C. WILSON AGENCY, INC. | 26026 TELEGRAPH 100 BOX 5069 SOUTHFIELD, MI 48086 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 11.94% |
| RALPH C WILSON AGENCY INC3 Filed as: RALPH C. WILSON AGENCY INC. | 26026 TELEGRAPH 100 BOX 5069 SOUTHFIELD, MI 48086 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 14.95% |
| DENNIS A CAMPBELL3 Filed as: DENNIS A. CAMPBELL | 26026 TELEGRAPH RD. STE 100 SOUTHFIELD, MI 480332560 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $32K | — | $32K | 2099.54% |
| RALPH C WILSON AGENCY INC3 Filed as: RALPH C. WILSON AGENCY INC. | 26026 TELEGRAPH RD. STE 100 SOUTHFIELD, MI 480332560 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $813 | $813 | 53.56% |
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 | 216 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 429 | $2K |
| Dental | DELTA DENTAL OF MICHIGAN | 422 | $183K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 429 | $2K |
| Life insurance | STANDARD INSURANCE COMPANY | 214 | $57K |
| Short-term disability | STANDARD INSURANCE COMPANY | 214 | $85K |
| Long-term disability | STANDARD INSURANCE COMPANY | 214 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 429 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.