| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANDREW R GREMEL3 Filed as: ANDREW R. GREMEL | BO BOX 571 BELMONT, MI 493069306 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $57K | — | $57K | 1.50% |
| THE GREMEL GROUP3 Filed as: THE GREMEL GROUP INC | ANDREW GREMEL PO BOX 601 ROCKFORD, MI 49341 | DELTA DENTAL OF MICHIGAN | $9K | — | $9K | 2.97% |
| THE GREMEL GROUP3 | PO BOX 571 BELMONT, MI 493060571 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $32 | $19K | 10.29% |
| THE GREMEL GROUP3 | PO BOX 571 BELOMONT, MI 49306 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 13.96% |
| CREATIVE PLANNING BENEFITS LLC3 Filed as: CREATIVE PLANNING RISK MANAGEMENT | 5454 W 110TH ST OVERLAND PARK, KS 66211 | THE PAUL REVERE LIFE INSURANCE COMPANY | $58 | — | $58 | 10.05% |
| COMPENSATION-BENEFIT SYSTEMS INC3 | 8010 KINGS CT ROWLETT, TX 75089 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 4.98% |
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 | 501 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 501 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 786 | $3.8M |
| Dental | DELTA DENTAL OF MICHIGAN | 771 | $292K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 644 | $34K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 418 | $185K |
| Short-term disability(2 contracts, 2 carriers) | THE PAUL REVERE LIFE INSURANCE COMPANY | 1 | $1K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 418 | $185K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 786 | $3.8M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 418 | $185K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 786 | — |
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.