| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LISA BOURDAGE3 | 4000 TOWN CENTER, SUITE 800 SOUTHFIELD, MI 48075 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $28K | $0 | $28K | 3.62% |
| GREGG PRANGER3 | 8000 NORMAN CENTER DRIVE, SUITE 400 BLOOMINGTON, MN 55437 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $5K | $323 | $6K | 0.72% |
| LISA BOURDAGE3 | 4000 TOWN CENTER, SUITE 800 SOUTHFIELD, MI 48075 | BLUE CARE NETWORK OF MICHIGAN | $3K | $0 | $3K | 3.51% |
| GREGG PRANGER3 | 8000 NORMAN CENTER DRIVE, SUITE 400 BLOOMINGTON, MN 55437 | BLUE CARE NETWORK OF MICHIGAN | $811 | $61 | $872 | 0.94% |
| ACTION BENEFITS COMPANY3 | 26533 EVERGREEN ROAD, SUITE 400 SOUTHFIELD, MI 48076 | BLUE CARE NETWORK OF MICHIGAN | $68 | $0 | $68 | 0.07% |
| USI INSURANCE SERVICES LLC3 | 1 HILLCREST DRIVE EAST CHARLESTON, WV 25311 | DELTA DENTAL OF MICHIGAN | $3K | $2K | $4K | 9.55% |
| USI INSURANCE SERVICES LLC3 | 4000 TOWN CENTER, SUITE 800 SOUTHFIELD, MI 48075 | DEARBORN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 13.97% |
| THE ALBRECHT COMPANIES INC3 Filed as: THE ALBRECHT COMPANIES, INC. | 26533 EVERGREEN ROAD, SUITE 400 SOUTHFIELD, MI 48076 | DEARBORN LIFE INSURANCE COMPANY | $0 | $167 | $167 | 1.09% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $86 | $1K | 13.29% |
| USI INSURANCE SERVICES LLC3 | 4000 TOWN CENTER, SUITE 800 SOUTHFIELD, MI 48075 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $240 | $0 | $240 | 2.65% |
| USI INSURANCE SERVICES LLC3 | 4000 TOWN CENTER, SUITE 800 SOUTHFIELD, MI 48075 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $731 | $0 | $731 | 10.00% |
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 | 111 | 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) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 183 | $875K |
| Dental | DELTA DENTAL OF MICHIGAN | 201 | $46K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 92 | $7K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 111 | $15K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 27 | $9K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 183 | $875K |
| Other | DEARBORN LIFE INSURANCE COMPANY | 111 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 201 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.