| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANDREW R GREMEL3 | PO BOX 601 ROCKFORD, MI 493410230 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $42K | $1K | $43K | 1.78% |
| THE GREMEL GROUP3 Filed as: THE GREMEL GROUP INC. | PO BOX 601 ROCKFORD, MI 49341 | DELTA DENTAL OF MICHIGAN | $5K | — | $5K | 2.74% |
| THE GREMEL GROUP3 Filed as: THE GREMEL GROUP INC | PO BOX 601 ROCKFORD, MI 49341 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 6.69% |
| THE GREMEL GROUP3 | PO BOX 601 ROCKFORD, MI 49341 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 8.28% |
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 | 326 | 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) | 326 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 601 | $2.4M |
| Dental | DELTA DENTAL OF MICHIGAN | 547 | $189K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 349 | $18K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 363 | $105K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 363 | $105K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 601 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 601 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.