| 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 | $115K | $0 | $115K | 3.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 140 2ND STREET, SUITE 318 PETALUMA, CA 94952 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $26K | $0 | $26K | 15.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1787 SENTRY PARKWAY WEST VEVA16, SUITE 320 BLUE BELL, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $9K | $9K | 5.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET, 4TH STREET BOSTON, MA 02110 | VISION SERVICE PLAN | $5K | $0 | $5K | 7.67% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET, 4TH STREET BOSTON, MA 02110 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 14.49% |
| TAMARA SUE BROWNING3 Filed as: TAMARA SUE BROWINING | 977 SMOKEY MOUNTAIN QUEEN ROAD SEVIERVILLE, TN 37876 | CONTINENTAL AMERICAN INSURANCE COMPANY | $828 | $0 | $828 | 3.54% |
| DAVID NELSON MULLINS3 | 1437 ROYALTON ROAD TOLEDO, OH 43612 | CONTINENTAL AMERICAN INSURANCE COMPANY | $457 | $0 | $457 | 1.95% |
| ANGELA GAY STOUT3 | 300 WEST JACKSON AVENUE APARTMENT 101 KNOXVILLE, TN 37902 | CONTINENTAL AMERICAN INSURANCE COMPANY | $434 | $0 | $434 | 1.85% |
| BENJAMIN D WISE3 Filed as: BENJAMIN DANIEL WISE | 132 EAST 2ND STREET VAN WERT, OH 45891 | CONTINENTAL AMERICAN INSURANCE COMPANY | $186 | $0 | $186 | 0.79% |
| DAVID NELSON MULLINS3 | 1437 ROYALTON ROAD TOLEDO, OH 43612 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | $0 | $11 | 0.05% |
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP | 9855 WEST 78TH STREET, SUITE 100 EDEN PRAIRIE, MN 55344 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $122 | $0 | $122 | 4.01% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $28 | $0 | $28 | 1.17% |
| BRUCE A. CHRISTENSEN3 | 11100 BREN ROAD WEST MINNETONKA, MN 55343 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $12 | $0 | $12 | 0.50% |
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP | 9855 WEST 78TH STREET, SUITE 100 EDEN PRAIRIE, MN 55344 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.04% |
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 | 274 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 276 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 513 | $3.8M |
| Vision | VISION SERVICE PLAN | 202 | $64K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 346 | $176K |
| Short-term disability(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 71 | $26K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 346 | $173K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 513 | $3.8M |
| Other(4 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 346 | $202K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 513 | — |
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.