| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDWARD W MAITLAND3 | 2658 COOLIDGE HWY BERKLEY, MI 480721555 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $21K | $2K | $23K | 1.27% |
| JOHN L DALY3 | PO BOX 687 GROSSE ILE, MI 481380687 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $5K | — | $5K | 0.29% |
| BENEFIT PLAN STRATEGIES Filed as: BENEFIT PLAN STRATEGIES LLC | 25814 EAST RIVER ROAD GROSSE ILE, MI 48138 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $25K | — | $25K | 3.38% |
| COMPASS BENEFIT ADVISORS LLC Filed as: COMPASS BENEFIT GROUP LTD | 2658 COOLIDGE HWY BERKLEY, MI 480721555 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | $5K | $19K | 2.53% |
| EDWARD W MAITLAND3 | 2658 COOLIDGE HWY BERKLEY, MI 480721555 | BLUE CARE NETWORK OF MICHIGAN | $7K | $495 | $7K | 1.46% |
| JOHN L DALY3 | PO BOX 687 GROSSE ILE, MI 481380687 | BLUE CARE NETWORK OF MICHIGAN | $1K | — | $1K | 0.24% |
| LAYNE FINANCIAL INC3 | 315 GREEN RIDGE RD H-1 NEW CASTLE, PA 16105 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $3K | $11K | 25.00% |
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 | 861 | 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) | 861 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 365 | $2.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 309 | $750K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 309 | $750K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 309 | $750K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 309 | $750K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 309 | $750K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 365 | $2.3M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 77 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 365 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.