| 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 | $32K | — | $32K | 2.10% |
| HIGHSTREET INSURANCE PARTNERS3 | 305 WEST FRONT STREET, SUITE 201 TRAVERSE CITY, MI 49684 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $15K | $2K | $17K | 1.16% |
| HIGHSTREET INSURANCE PARTNERS3 | 305 WEST FRONT STREET, SUITE 201 TRAVERSE CITY, MI 49684 | HEALTH CARE SERVICE CORPORATION | $39K | — | $39K | 3.95% |
| HIGHSTREET INSURANCE PARTNERS3 | 305 WEST FRONT STREET, SUITE 201 TRAVERSE CITY, MI 49684 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $281 | $5K | 11.51% |
| HIGHSTREET INSURANCE PARTNERS3 | 305 WEST FRONT STREET, SUITE 201 TRAVERSE CITY, MI 49684 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $1K | $3K | 7.75% |
| PETERSON MCGREGOR & ASSOCIATES INC.3 | 1368 BUSINESS PARK DR TRAVERSE CITY, MI 49686 | BLUE CARE NETWORK OF MICHIGAN | $641 | — | $641 | 1.88% |
| HIGHSTREET INSURANCE PARTNERS3 | 305 WEST FRONT STREET, SUITE 201 TRAVERSE CITY, MI 49684 | BLUE CARE NETWORK OF MICHIGAN | $160 | $25 | $185 | 0.54% |
| HIGHSTREET INSURANCE PARTNERS3 | 305 WEST FRONT STREET, SUITE 201 TRAVERSE CITY, MI 49684 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $135 | $3K | 14.17% |
| HIGHSTREET INSURANCE PARTNERS3 | 305 WEST FRONT STREET, SUITE 201 TRAVERSE CITY, MI 49684 | STANDARD INSURANCE COMPANY | $536 | — | $536 | 9.64% |
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 | 210 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 217 | 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 | 260 | $2.5M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 260 | $1.5M |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 260 | $1.5M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 217 | $61K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 217 | $41K |
| Prescription drug(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 260 | $2.5M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 217 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 260 | — |
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.