| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REBECCA A MCLAUGHLAN3 | 3331 W BIG BEAVER S-200 TROY, MI 480848084 | BLUE CARE NETWORK OF MICHIGAN | $181 | $0 | $181 | 0.14% |
| ACTION BENEFITS COMPANY3 | 26533 EVERGREEN RD SUITE 400 SOUTHFIELD, MI 480768076 | BLUE CARE NETWORK OF MICHIGAN | $6 | $0 | $6 | 0.00% |
| SANDER JACOBS CASSAYRE & GRIFFIN3 Filed as: SANDER,JACOBS,CASSAYRE &GRIFFIN INC | 3200 VILLA LN NAPA, CA 945583017 | KAISER FOUNDATION HEALTH PLAN INC | $5K | $0 | $5K | 4.61% |
| SANDER JACOBS CASSAYRE & GRIFFIN3 Filed as: SANDER,JACOBS,CASSAYRE&GRIFFIN INC | 3200 VILLA LN NAPA, CA 945583017 | KAISER FOUNDATION HEALTH PLAN INC | $335 | $0 | $335 | 4.67% |
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 | 14,897 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 14,897 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | AETNA LIFE INSURANCE COMPANY | 572 | $2.8M |
| Dental | AETNA LIFE INSURANCE COMPANY | 572 | $1.9M |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 14,197 | $3.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,197 | — |
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.