| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JUSTIN SPEWOCK3 | 915 N. MICHIGAN AVE, STE 207 HOWELL, MI 48843 | CAPITAL HEALTH PLAN | $67K | — | $67K | 1.99% |
| BALLARD BENEFIT WORKS3 | 915 N MICHIGAN AVENUE SUITE 207 HOWELL, MI 48843 | FLORIDA BLUE | $103K | — | $103K | 10.36% |
| BALLARD BENEFIT WORKS3 | 915 N. MICHIGAN AVE STE 207 HOWELL, MI 48843 | FLORIDA COMBINED LIFE INSURANCE | $2K | — | $2K | 0.36% |
| 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 | $7K | — | $7K | 20.00% |
| BALLARD BENEFIT WORKS3 | 415 N MICHIGAN AVENUE HOWELL, MI 48843 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 20.00% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | HEARTLAND FIDELITY INSURANCE COMPANY PRESCRIPTION DRUG PLAN | $410 | — | $410 | 9.55% |
| BALLARD BENEFIT WORKS5 Filed as: BALLARD BENEFIT WORKS, INC. | 915 N. MICHIGAN AVE. HOWELL, FL 48843 | HEARTLAND FIDELITY INSURANCE COMPANY PRESCRIPTION DRUG PLAN | $131 | — | $131 | 3.05% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | $682 | — | $682 | 16.47% |
| BALLARD BENEFIT WORKS5 Filed as: BALLARD BENEFIT WORKS, INC. | 915 N. MICHIGAN AVE. HOWELL, MI 48843 | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | $239 | — | $239 | 5.77% |
| BALLARD BENEFIT WORKS4 | 915 N MICHIGAN AVE STE 207 HOWELL, MI 48843 | PRE-PAID LEGAL SERVICES DBA LEGALSHIELD | $295 | — | $295 | 8.11% |
| ADAM RICCINTO4 | 722 E CROSS ST YPSILANTI, MI 48198 | PRE-PAID LEGAL SERVICES DBA LEGALSHIELD | $84 | — | $84 | 2.31% |
| JOHN WYNN4 | 849 ISLE OF PALM WAY WILMINGTON, NC 28412 | PRE-PAID LEGAL SERVICES DBA LEGALSHIELD | $9 | — | $9 | 0.25% |
| INVESTMENT DEVELOPER4 | P.O. BOX 27740 LAS VEGAS, NV 89126 | PRE-PAID LEGAL SERVICES DBA LEGALSHIELD | $7 | — | $7 | 0.19% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA EIN 59-2015694 ADMINISTRATOR | Contract Administrator Service code 13 | — | $349K |
| FBMC BENEFITS MANAGEMENT EIN 59-1657263 ADMINISTRATOR | Claims processing Service code 12 | P.O. BOX 730561 ORMOND BEACH, FL 32173 | $9K |
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 | 801 | 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) | 801 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CAPITAL HEALTH PLAN | 613 | $3.4M |
| Dental | FLORIDA COMBINED LIFE INSURANCE | 840 | $567K |
| Vision | HM LIFE INSURANCE COMPANY | 886 | $61K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 801 | $250K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 183 | $37K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 724 | $149K |
| Prescription drug(2 contracts, 2 carriers) | CAPITAL HEALTH PLAN | 613 | $3.4M |
| Stop-loss / reinsurancereinsurance | FLORIDA BLUE | 413 | $993K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 798 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 886 | — |
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.