| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 125 OTTAWA AVE NW SUITE 400 GRAND RAPIDS, MI 495032873 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $9K | — | $9K | 0.14% |
| JULIE S SESSIONS3 | 125 OTTAWA AVE NW SUITE 400 GRAND RAPIDS, MI 495032873 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $5K | — | $5K | 0.08% |
| HANS F KRAABEL3 | 11590 N MERIDIAN ST SUITE 61001 CARMEL, IN 46032 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $3K | — | $3K | 0.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 NONE | Other fees; Insurance services; Claims processing; Contract Administrator; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Direct payment from the plan Service code 12 | PO BOC 2888 DETROIT, MI 48231 | $471K |
| NOVARA TESIJA, PLLC EIN 38-3763096 NONE | Legal; Direct payment from the plan Service code 29 | 2000 TOWN CENTER STE 2370 SOUTHFIELD, MI 48075 | $86K |
| UNITED ACTUARIAL SERVICES, INC EIN 35-2156428 NONE | Direct payment from the plan; Actuarial Service code 11 | 11590 NORTH MERIDIAN ST CARMEL, IN 46032 | $60K |
| LORI HATFIELD EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | 11847 SHAVER RD. SCHOOLCRAFT, MI 49087 | $33K |
| COMERICA BANK NONE | Investment management fees paid directly by plan; Investment advisory (plan); Investment management; Direct payment from the plan; Custodial (securities); Securities brokerage Service code 19 | 411 WEST LAFAYETTE DETROIT, MI 48226 | $24K |
| BULTYNCK & CO., P.L.L.C. EIN 20-3920878 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 15985 CANAL ROAD CLINTON TOWNSHIP, MI 48038 | $10K |
| UNION SERVICES AGENCY NONE | Insurance agents and brokers; Insurance services; Direct payment from the plan Service code 22 | 119 PERE MARQUETTE LANSING, MI 48912 | $9K |
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 | 462 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 167 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 629 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 623 | $6.3M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 623 | $6.3M |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 623 | $6.3M |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 623 | $6.3M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 623 | $6.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 623 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.