| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREG PRANGER3 | 4000 TOWN CTR, STE 800 SOUTHFIELD, MI 480751405 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $15K | — | $15K | 1.13% |
| LISA BOURDAGE3 | 4000 TOWN CTR, STE 800 SOUTHFIELD, MI 480751405 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $10K | — | $10K | 0.75% |
| GREGG PRANGER3 | 4000 TOWN CTR STE 800 SOUTHFIELD, MI 480751405 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $11K | $10K | $21K | 2.62% |
| LISA BOURDAGE3 | 4000 TOWN CTR STE 800 SOUTHFIELD, MI 480751405 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $16K | — | $16K | 2.05% |
| BLUE CROSS BLUE SHIELD OF FLORIDA5 Filed as: BLUE CROSS BLUE SHIELD OF MICHIGAN | 27000 W. 11 MILE RD SOUTHFIELD, MI 480342200 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 NONE | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees; Claims processing; Direct payment from the plan; Float revenue; Insurance services; Consulting (general) Service code 12 | — | $654K |
| ANN ARBOR BENEFIT ADMINISTRATORS EIN 38-2866123 NONE | Contract Administrator Service code 13 | — | $288K |
| CONLIN, MCKENNEY & PHILBRICK EIN 38-2772489 NONE | Legal Service code 29 | — | $157K |
| RBC WEALTH MANAGEMENT NONE | Investment advisory (plan) Service code 27 | 38505 WOODWARD, STE 150 248-336-5106 BLOOMFIELD HILLS, MI 483049904 | $41K |
| BANK OF ANN ARBOR EIN 38-3252110 NONE | Trustee (directed) Service code 25 | — | $37K |
| GREGG PRANGER NONE | Insurance agents and brokers; Other fees; Other commissions; Insurance brokerage commissions and fees; Non-monetary compensation Service code 22 | 8000 NORMAN CENTER DR 400 BLOOMINGTON, MN 554371180 | $36K |
| THE SEGAL COMPANY EIN 13-1975125 NONE | Actuarial Service code 11 | — | $30K |
| POLK AND ASSOCIATES, P.L.C. EIN 38-3388760 NONE | Accounting (including auditing) Service code 10 | — | $27K |
| LISA BOURDAGE NONE | Insurance agents and brokers; Shareholder servicing fees; Insurance brokerage commissions and fees; Non-monetary compensation; Other commissions Service code 22 | 4000 TOWN CTR STE 800 SOUTHFIELD, MI 48075 | $26K |
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 | 641 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 313 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 954 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,856 | $2.2M |
| Life insurance | DEARBORN NATIONAL | 647 | $85K |
| Prescription drug(2 contracts) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 295 | $1.4M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,856 | $798K |
| Other | DEARBORN NATIONAL | 647 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,856 | — |
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.