| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL CRAFORD3 Filed as: MICHAEL D. CRAFORD | 160 FEDERAL STREET BOSTON, MA 02110 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $138K | $0 | $138K | 4.07% |
| CRAFORD BENEFIT CONSULTANTS3 Filed as: CRAFORD & CRAFORD INSURANCE SVCS | 990 FIFTH AVENUE SAN RAFAEL, CA 94901 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $19K | $0 | $19K | 12.79% |
| EMERSON REID LLC3 | 5200 NORTH PALM AVENUE, SUITE 424 FRESNO, CA 93704 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $0 | $7K | 5.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | PO BOX 970069 BOSTON, MA 02297 | VISION SERVICE PLAN | $3K | $0 | $3K | 10.01% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | 160 FEDERAL STREET, 4TH FLOOR BOSTON, MA 02110 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 13.17% |
| TAMARA SUE BROWNING3 | 977 SMOKEY MOUNTAIN QUEEN ROAD SEVIERVILLE, TN 37876 | CONTINENTAL AMERICAN INSURANCE COMPANY | $451 | $0 | $451 | 4.08% |
| ANGELA GAY STOUT3 | 300 WEST JACKSON AVENUE APARTMENT 101 KNOXVILLE, TN 37902 | CONTINENTAL AMERICAN INSURANCE COMPANY | $301 | $0 | $301 | 2.72% |
| DAVID NELSON MULLINS3 | 1437 ROYALTON ROAD TOLEDO, OH 43612 | CONTINENTAL AMERICAN INSURANCE COMPANY | $78 | $0 | $78 | 0.70% |
| BENJAMIN D WISE3 Filed as: BENJAMIN DANIEL WISE | 132 EAST 2ND STREET VAN WERT, OH 45891 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23 | $0 | $23 | 0.21% |
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP | 9855 WEST 78TH STREET, SUITE 100 EDEN PRAIRIE, MN 55344 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $155 | $0 | $155 | 3.92% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $30 | $0 | $30 | 0.87% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $22 | $22 | 0.63% |
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP | 9855 WEST 78TH STREET, SUITE 100 EDEN PRAIRIE, MN 55344 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $16 | $0 | $16 | 0.46% |
| BRUCE A. CHRISTENSEN3 | 11100 BREN ROAD WEST MINNETONKA, MN 55343 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $16 | $0 | $16 | 0.46% |
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 | 290 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 300 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 577 | $3.4M |
| Vision | VISION SERVICE PLAN | 218 | $30K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 184 | $151K |
| Short-term disability(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 31 | $15K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 184 | $148K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 577 | $3.4M |
| Other(4 contracts, 4 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 184 | $166K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 577 | — |
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.
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.