| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JUSTIN SPEWOCK3 | 915 N. MICHIGAN AVE, STE 207 HOWELL, MI 48843 | CAPITAL HEALTH PLAN | $64K | — | $64K | 1.99% |
| BALLARD BENEFIT WORKS3 | 915 N MICHIGAN AVENUE SUITE 207 HOWELL, MI 48843 | FLORIDA BLUE | $128K | — | $128K | 12.00% |
| BALLARD BENEFIT WORKS3 | 915 N. MICHIGAN AVE STE 207 HOWELL, MI 48843 | FLORIDA COMBINED LIFE INSURANCE | $2K | — | $2K | 0.39% |
| BALLARD BENEFIT WORKS3 | 415 N MICHIGAN AVENUE HOWELL, MI 48843 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $50K | — | $50K | 20.00% |
| BALLARD BENEFIT WORKS3 | 915 N MICHIGAN AVENUE HOWELL, MI 48843 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $30K | — | $30K | 20.00% |
| BALLARD BENEFIT WORKS3 | 915 MICHIGAN AVENUE HOWELL, MI 48843 | HM LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| BALLARD BENEFIT WORKS3 | 915 N MICHIGAN AVENUE HOWELL, MI 48843 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 20.00% |
| BALLARD BENEFIT WORKS3 | 415 N MICHIGAN AVENUE HOWELL, MI 48843 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 20.00% |
| BALLARD BENEFIT WORKS4 | 915 N MICHIGAN AVE STE 207 HOWELL, MI 48843 | PRE-PAID LEGAL SERVICES DBA LEGALSHIELD | $346 | — | $346 | 8.27% |
| ADAM RICCINTO4 | 722 E CROSS ST YPSILANTI, MI 48198 | PRE-PAID LEGAL SERVICES DBA LEGALSHIELD | $145 | — | $145 | 3.46% |
| JOHN WYNN4 | 849 ISLE OF PALM WAY WILMINGTON, NC 28412 | PRE-PAID LEGAL SERVICES DBA LEGALSHIELD | $19 | — | $19 | 0.45% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA EIN 59-2015694 ADMINISTRATOR | Contract Administrator Service code 13 | — | $240K |
| FBMC BENEFITS MANAGEMENT EIN 59-1657263 ADMINISTRATOR | Claims processing Service code 12 | P.O. BOX 730561 ORMOND BEACH, FL 32173 | $10K |
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 | 837 | 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) | 837 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL HEALTH PLAN | 613 | $3.2M |
| Dental | FLORIDA COMBINED LIFE INSURANCE | 851 | $523K |
| Vision | HM LIFE INSURANCE COMPANY | 903 | $61K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 837 | $249K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 197 | $38K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 771 | $151K |
| Prescription drug | CAPITAL HEALTH PLAN | 613 | $3.2M |
| Stop-loss / reinsurancereinsurance | FLORIDA BLUE | 432 | $1.1M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 835 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 903 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.