| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL C WALKER3 Filed as: MICHAEL G. BUCK | 38233 MOUND ROAD, BLDG F STERLING HEIGHTS, MI 48310 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $10K | $3K | $13K | 2.81% |
| VINCENT J. ROSE3 Filed as: VINCENT ROSE | 620 S LAKE STREET MARQUETTE, MI 49855 | BLUE CROSS BLUE SHIELD OF MICHIGAN MEDICARE ADVANTAGE | $4K | — | $4K | 2.28% |
| MICHAEL BUCK3 | 38233 MOUND ROAD, BLDG F STERLING HEIGHTS, MI 48310 | BLUE CROSS BLUE SHIELD OF MICHIGAN MEDICARE ADVANTAGE | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 NONE | Consulting (general); Other fees; Float revenue; Insurance services; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Direct payment from the plan Service code 12 | — | $215K |
| ZENITH AMERICAN NONE | Consulting (general); Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Participant communication; Plan Administrator; Accounting (including auditing); Copying and duplicating; Claims processing Service code 10 | — | $114K |
| NOVARA TESIJA, PLLC EIN 38-2823147 NONE | Legal; Non-monetary compensation Service code 29 | — | $112K |
| MICHAEL G. BUCK NONE | Non-monetary compensation; Insurance agents and brokers; Other fees; Insurance brokerage commissions and fees; Other commissions Service code 22 | 38233 MOUND ROAD BLDG F STERLING HEIGHTS, MI 48310 | $34K |
| BENDA, GRACE, STULZ & COMPANY, P.C. EIN 38-2284921 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $17K |
| UNITED ACTUARIAL SERVICES EIN 35-2156428 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $10K |
| MARQUETTE ASSOCIATES EIN 36-3485298 NONE | Investment management; Direct payment from the plan Service code 28 | — | $6K |
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 | 208 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 223 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN MEDICARE ADVANTAGE | 44 | $189K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN MEDICARE ADVANTAGE | 44 | $189K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 248 | $468K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 248 | — |
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.