| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCOTT SETTLE3 | 2600 W BIG BEAVER RD, STE 140 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $30K | — | $30K | 3.50% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SRVCE LLC STOCKTON CONCORD | 100 SUMMIT LAKE DRIVE SUITE 400 VALHALLA, NY 10595 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $8K | $8K | 0.89% |
| 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 | Insurance services; Float revenue; Contract Administrator; Other fees; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Direct payment from the plan Service code 12 | — | $707K |
| ANN ARBOR BENEFIT ADMINISTRATORS EIN 38-2866123 NONE | Contract Administrator Service code 13 | — | $350K |
| LAW OFFICE OF THOMAS D. LUCZAK PLLC EIN 87-3430280 NONE | Legal Service code 29 | — | $215K |
| RBC WEALTH MANAGEMENT NONE | Investment advisory (plan) Service code 27 | 38505 WOODWARD, STE 150 248-336-5106 BLOOMFIELD HILLS, MI 483049904 | $45K |
| SCOTT SETTLE NONE | Non-monetary compensation; Insurance brokerage commissions and fees; Other commissions; Insurance agents and brokers; Other fees Service code 22 | 2600 W BIG BEAVER,STE 140 TROY, MI 48084 | $30K |
| BANK OF ANN ARBOR EIN 38-3252110 NONE | Trustee (directed) Service code 25 | — | $29K |
| POLK AND ASSOCIATES, P.L.C. EIN 38-3388760 NONE | Accounting (including auditing) Service code 10 | — | $28K |
| THE SEGAL COMPANY EIN 13-1975125 NONE | Actuarial Service code 11 | — | $22K |
| USI INS SRVCE LLC STOCKTON CONCORD NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Other commissions; Other fees; Non-monetary compensation Service code 22 | 100 SUMMIT LAKE STE 400 VALHALLA, NY 10595 | $8K |
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 | 636 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 329 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 965 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,855 | $2.1M |
| Life insurance | DEARBORN NATIONAL | 629 | $104K |
| Prescription drug(2 contracts) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 312 | $1.3M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,855 | $848K |
| Other | DEARBORN NATIONAL | 629 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,855 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.