| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DENNIS A CAMPBELL3 Filed as: DENNIS A. CAMPBELL | 26026 TELEGRAPH ROAD, SUITE 100 SOUTHFIELD, MI 48033 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $61K | $0 | $61K | 3.03% |
| PROADVISOR INSURANCE AGY LLC3 Filed as: PROADVISOR INSURANCE AGENCY, LLC | 26555 EVERGREEN ROAD, SUITE 535 SOUTHFIELD, MI 48076 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $2K | $2K | 0.09% |
| RALPH C WILSON AGENCY INC3 Filed as: RALPH C. WILSON AGENCY, INC. | 26026 TELEGRAPH ROAD, SUITE 100 SOUTHFIELD, MI 48033 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $2K | $13K | 6.99% |
| PROADVISOR INSURANCE AGY LLC3 Filed as: PROADVISOR INSURANCE AGENCY, LLC | 26026 TELEGRAPH ROAD, SUITE 100 SOUTHFIELD, MI 48033 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 2.34% |
| RALPH C WILSON AGENCY INC3 Filed as: RALPH C. WILSON AGENCY, INC. | PO BOX 5069 SOUTHFIELD, MI 48086 | DELTA DENTAL OF MICHIGAN | $11K | $0 | $11K | 5.94% |
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 | 271 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 271 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 455 | $2.0M |
| Dental | DELTA DENTAL OF MICHIGAN | 462 | $190K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 455 | $2.0M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 271 | $192K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 271 | $192K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 271 | $192K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 271 | $192K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 462 | — |
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."
No prospect flags tripped on this filing.