| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCOTT SETTLE3 | 4000 TOWN CENTER DRIVE, SUITE 8 SOUTHFIELD, MI 48075 | BLUE CARE NETWORK OF MICHIGAN | $30K | $0 | $30K | 2.74% |
| USI INSURANCE SERVICES LLC3 | 2600 WEST BIG BEAVER ROAD, SUITE 1 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $0 | $881 | $881 | 0.08% |
| SCOTT SETTLE3 | 4000 TOWN CENTER DRIVE, SUITE 8 SOUTHFIELD, MI 48075 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $29K | $0 | $29K | 3.10% |
| USI INSURANCE SERVICES LLC3 | 2600 WEST BIG BEAVER ROAD, SUITE 1 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $2K | $2K | 0.22% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $27K | $9K | $36K | 25.46% |
| JENNINGS INSURANCE SERVICES3 Filed as: JENNINGS INSURANCE SERVICES, INC. | 10524 MOSS PARK ROAD, SUITE 204-306 ORLANDO, FL 32832 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $681 | $681 | 0.48% |
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 | 274 | 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) | 274 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 299 | $2.0M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 299 | $921K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 299 | $921K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 274 | $141K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 274 | $141K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 274 | $141K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 299 | $2.0M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 274 | $141K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 299 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.