| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REGINA JESSUP GOODMAN3 | 2800 LIVERNOIS S-170 TROY, MI 48083 | BLUE CARE NETWORK OF MICHIGAN | $33K | $4K | $37K | 2.07% |
| REGINA JESSUP GOODMAN3 | 2800 LIVERNOIS - 170 TROY, MI 48083 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $5K | $2K | $7K | 5.01% |
| GOODMAN VENEGAS INSURANCE AGENCY3 Filed as: THE GOODMAN VENEGAS INS AGENCY INC. | 2800 LIVERNOIS RD STE 170 TROY, MI 48083 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $849 | $6K | 15.97% |
| GOODMAN VENEGAS INSURANCE AGENCY3 Filed as: THE GOODMAN VENEGAS INS AGENCY INC. | 2800 LIVERNOIS RD STE 170 TROY, MI 48083 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $833 | $4K | 11.16% |
| GOODMAN VENEGAS INSURANCE AGENCY3 Filed as: THE GOODMAN VENEGAS INS AGENCY INC. | 2800 LIVERNOIS RD STE 170 TROY, MI 48083 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $381 | $3K | 16.29% |
| GOODMAN VENEGAS INSURANCE AGENCY3 Filed as: THE GOODMAN VENEGAS INS | AGENCY INC. 2800 LIVERNOIS RD STE 170 TROY, MI 48083 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
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 | 268 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 268 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 395 | $1.8M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 392 | $147K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 392 | $147K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 266 | $48K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 138 | $38K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 121 | $18K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 395 | $1.8M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 266 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 395 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.