| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PETERSON MCGREGOR & ASSOCIATES INC.3 | 1368 BUSINESS PARK DR TRAVERSE CITY, MI 49686 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $44K | — | $44K | 2.92% |
| HIGH STREET INSURANCE PARTNERS, INC3 Filed as: HIGH STREET INSURANCE PARTNERS | 500 GRISWOLD, SUITE 2700 DETROIT, MI 482268226 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $770 | $770 | 0.05% |
| PETERSON MCGREGOR & ASSOCIATES INC.3 | 1368 BUSINESS PARK DR TRAVERSE CITY, MI 49686 | HEALTH CARE SERVICE CORPORATION | $33K | — | $33K | 3.73% |
| RESOURCE BROKERAGE LLC3 | 1501 EAST WOODFIELD ROAD,SUITE 110E SCHAUMBURG, IL 60173 | HEALTH CARE SERVICE CORPORATION | — | $5K | $5K | 0.62% |
| PETERSON MCGREGOR & ASSOCIATES INC.3 | 1368 BUSINESS PARK DR TRAVERSE CITY, MI 49686 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $296 | $5K | 12.81% |
| PETERSON MCGREGOR & ASSOCIATES INC.3 | 1368 BUSINESS PARK DR TRAVERSE CITY, MI 49686 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 5.03% |
| PETERSON MCGREGOR & ASSOCIATES INC.3 | 1368 BUSINESS PARK DR TRAVERSE CITY, MI 49686 | BLUE CARE NETWORK OF MICHIGAN | $2K | — | $2K | 4.67% |
| PETERSON MCGREGOR & ASSOCIATES INC.3 | 1368 BUSINESS PARK DR TRAVERSE CITY, MI 49686 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $72 | $2K | 15.76% |
| PETERSON MCGREGOR & ASSOCIATES INC.3 | 1368 BUSINESS PARK DR TRAVERSE CITY, MI 49686 | STANDARD INSURANCE COMPANY | $455 | — | $455 | 9.06% |
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 | 186 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 33 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 268 | $2.4M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 268 | $1.5M |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 268 | $1.5M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 208 | $49K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 208 | $39K |
| Prescription drug(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 268 | $2.4M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 208 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 268 | — |
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."
No prospect flags tripped on this filing.