| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANDREW R GREMEL3 | PO BOX 571 BELMONT, MI 493069306 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $47K | $0 | $47K | 1.05% |
| THE GREMEL GROUP3 Filed as: THE GREMEL GROUP INC. | ANDREW GREMEL PO BOX 571 BELMONT, MI 49306 | DELTA DENTAL OF MICHIGAN | $11K | — | $11K | 3.04% |
| THE GREMEL GROUP3 | PO BOX 601 ROCKFORD, MI 49341 | UNAM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 6.58% |
| BENEFIT PROFILES INC3 | SUITE 160 500 CASCADE WEST PKWAY SE GRAND RAPIDS, MI 49546 | UNAM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 4.91% |
| THE GREMEL GROUP3 | PO BOX 601 ROCKFORD, MI 49341 | UNAM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 15.05% |
| BENEFIT PROFILES INC3 | SUITE 160 500 CASCADE WEST PKWAY SE GRAND RAPIDS, MI 49546 | UNAM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 4.93% |
| THE GREMEL GROUP3 | PO BOX 601 ROCKFORD, MI 49341 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 8.78% |
| THE GREMEL GROUP3 | PO BOX 571 BELMONT, MI 49306 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $674 | — | $674 | 1.74% |
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 | 682 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 689 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,029 | $4.4M |
| Dental | DELTA DENTAL OF MICHIGAN | 988 | $351K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 781 | $39K |
| Life insurance(2 contracts) | UNAM LIFE INSURANCE COMPANY OF AMERICA | 562 | $197K |
| Long-term disability | UNAM LIFE INSURANCE COMPANY OF AMERICA | 562 | $123K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,029 | $4.4M |
| Other(2 contracts) | UNAM LIFE INSURANCE COMPANY OF AMERICA | 562 | $197K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,029 | — |
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.