| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DENNIS A CAMPBELL3 Filed as: DENNIS CAMPBELL | 20626 TELEGRAPH RD STE 100 SOUTHFIELD, MI 48033 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $37K | $3K | $40K | 2.36% |
| DENNIS A CAMPBELL3 Filed as: DENNIS CAMPBELL | RALPH C. WILSON AGENCY PO BOX 5069 SOUTHFIELD, MI 48086 | DELTA DENTAL OF MICHIGAN | $11K | — | $11K | 6.00% |
| RALPH C WILSON AGENCY INC3 Filed as: RALPH C WILSON | 20626 TELEGRAPH RD STE 100 SOUTHFIELD, MI 48086 | CIGNA | $6K | $2K | $7K | 15.27% |
| RALPH C WILSON AGENCY INC3 Filed as: RALPH C WILSON | 26026 TELEGRAPH STE 100 SOUTHFIELD, MI 48086 | CIGNA | $5K | $1K | $7K | 15.25% |
| RALPH C WILSON AGENCY INC3 Filed as: RALPH C WILSON AGENCY | 26026 TELEGRAPH STE 100 SOUTHFIELD, MI 48086 | CIGNA | $3K | $738 | $4K | 18.25% |
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 | 209 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 437 | $1.7M |
| Dental | DELTA DENTAL OF MICHIGAN | 431 | $183K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 437 | $1.7M |
| Life insurance | CIGNA | 209 | $47K |
| Short-term disability | CIGNA | 209 | $44K |
| Long-term disability | CIGNA | 209 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 437 | — |
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.