| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARVEY L LEE3 | 5151 GATEWAY CENTRE S200 FLINT, MI 485078507 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $24K | — | $24K | 2.83% |
| TOTAL BENEFIT SYSTEMS INC3 Filed as: TOTAL BENEFIT SYSTEMS, INC | 5151 GATEWAY CENTRE S200 FLINT, MI 485078507 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $2K | $2K | 0.19% |
| HARVEY L LEE | 5151 GATEWAY CENTRE S200 FLINT, MI 485078507 | BLUE CARE NETWORK OF MICHIGAN | $20K | — | $20K | 3.25% |
| TOTAL BENEFIT SYSTEMS INC3 Filed as: TOTAL BENEFIT SYSTEMS, INC | 5151 GATEWAY CENTRE S200 FLINT, MI 485078507 | GUARDIAN | $12K | — | $12K | 10.39% |
| DAILY FEATS INC3 Filed as: DAILY FEATS INC. | 131 TEMONT STREET BOSTON, MA 02111 | GUARDIAN | $4K | — | $4K | 3.30% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | GUARDIAN | — | $1K | $1K | 1.31% |
| MMA SERVICE CORP5 Filed as: MMA SERVICE CORP. | 620 S. CAPITOL AVENUE LANSING, MI 48933 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 5.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 077193502 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 4.58% |
| TOTAL BENEFIT SYSTEMS INC3 Filed as: TOTAL BENEFIT SYSTEMS, INC | 5151 GATEWAY CENTRE S200 FLINT, MI 485073929 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 3.92% |
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 | 162 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 162 | 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 | 153 | $1.5M |
| Dental(2 contracts, 2 carriers) | GUARDIAN | 282 | $186K |
| Vision | GUARDIAN | 160 | $114K |
| Life insurance | GUARDIAN | 160 | $114K |
| Short-term disability | GUARDIAN | 160 | $114K |
| Long-term disability | GUARDIAN | 160 | $114K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 153 | $1.5M |
| Other | GUARDIAN | 160 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 282 | — |
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.