| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHERI L CRIFASI3 Filed as: SHERI L. CRIFASI | 400 WEST FOURTH STREET, SUITE 300 ROYAL OAK, MI 48067 | BLUE CARE NETWORK OF MICHIGAN | $19K | $0 | $19K | 3.71% |
| EDGAR MARK GREGORY3 Filed as: EDGAR M. IV. GREGORY | 30150 TELEGRAPH ROAD, SUITE 408-03 BINGHAM FARMS, MI 48025 | BLUE CARE NETWORK OF MICHIGAN | $4K | $0 | $4K | 0.78% |
| ACTION BENEFITS COMPANY3 | 26533 EVERGREEN ROAD, SUITE 400 SOUTHFIELD, MI 48076 | BLUE CARE NETWORK OF MICHIGAN | $3K | $0 | $3K | 0.66% |
| SHERI L CRIFASI3 Filed as: SHERI L. CRIFASI | 400 WEST FOURTH STREET, SUITE 300 ROYAL OAK, MI 48067 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $16K | $0 | $16K | 3.44% |
| EDGAR MARK GREGORY3 Filed as: EDGAR M. GREGORY IV | 30150 TELEGRAPH ROAD, SUITE 408 03 BINGHAM FARMS, MI 48025 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $4K | $0 | $4K | 0.93% |
| ACTION BENEFITS COMPANY3 | 26533 EVERGREEN ROAD, SUITE 400 SOUTHFIELD, MI 48076 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $3K | $0 | $3K | 0.62% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP | 400 WEST FOURTH STREET, SUITE 300 ROYAL OAK, MI 48067 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $461 | $11K | 9.49% |
| MMA SERVICE CORP3 Filed as: MMA SERVICE CORPORATION | 620 SOUTH CAPITOL AVENUE LANSING, MI 48933 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $6K | $6K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 30150 TELEGRAPH ROAD, SUITE 408 BINGHAM FARMS, MI 48025 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.92% |
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 | 241 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 109 | $987K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 241 | $115K |
| Vision(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 109 | $987K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 241 | $115K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 241 | $115K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 109 | $987K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 241 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 241 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.