| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RYAN J. HARRIS3 Filed as: RYAN J HARRIS | 2929 SPRING ARBOR ROAD JACKSON, MI 48170 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $48K | $0 | $48K | 3.33% |
| MARK T. WIRA3 Filed as: MARK T WIRA | 2929 SPRING ARBOR ROAD JACKSON, MI 48170 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $20K | $0 | $20K | 1.36% |
| MT & W ASSOCIATES, INC.3 Filed as: MT & W ASSOCIATES, INC | 729 WEST ANN ARBOR TRAIL PLYMOUTH, MI 48170 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $901 | $901 | 0.06% |
| WALTON AGENCY, INC.3 Filed as: WALTON AGENCY, LLC | PO BOX 3029 JACKSON, MI 49204 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $2K | $6K | 8.36% |
| PARTNERS ADVANTAGE LLC3 | 729 WEST ANN ARBOR TRAIL PLYMOUTH, MI 48170 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $673 | $673 | 0.88% |
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 | 98 | 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) | 98 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 231 | $1.4M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 244 | $77K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 231 | $1.4M |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 244 | $77K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 231 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 244 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.