| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EXTERNAL AGENTS3 | UNKNOWN LIVONIA, MI 48150 | BLUE CARE NETWORK OF MICHIGAN | $7K | $0 | $7K | 4.04% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 7219 GRAND RIVER ROAD BRIGHTON, MI 48114 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $6K | $0 | $6K | 4.49% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1591 GALBRAITH AVENUE SE GRAND RAPIDS, MI 49546 | DELTA DENTAL OF MICHIGAN | $2K | $0 | $2K | 5.92% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BOULEVARD CHICAGO, IL 60604 | DELTA DENTAL OF MICHIGAN | $478 | $0 | $478 | 1.85% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 203 NORTH LA SALLE STREET, FLOOR 20 CHICAGO, IL 60601 | DELTA DENTAL OF MICHIGAN | $460 | $0 | $460 | 1.78% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BOUELVARD, FLOOR 14 CHICAGO, IL 60604 | AFLAC | $2K | $0 | $2K | 7.91% |
| CONNIE RUPERT3 Filed as: CONNIE M RUPERT | 518 NORTH EAVAN STREET TECUMSEH, MI 49286 | AFLAC | $885 | $0 | $885 | 3.95% |
| LISA ENERSON3 Filed as: LISA MARIE ENERSON | 411 GROVE STREET HUDSON, MI 49247 | AFLAC | $408 | $0 | $408 | 1.82% |
| CHOICE 1 COMMUNICATIONS GRP LLC3 Filed as: CHOICE 1 COMMUNICATIONS GROUP | 17401 COMMERCE PARK BOLUEVARD SUITE 103 TAMPA, FL 33647 | AFLAC | $267 | $0 | $267 | 1.19% |
| RONALD A DASHKOVITZ3 Filed as: RONALD ALLEN DASHKOVITZ | 1901 NORTH FAIRVIEW AVENUE LANSING, MI 48912 | AFLAC | $216 | $0 | $216 | 0.96% |
| CONNECTED BENEFITS LLC3 | 46389 SPINNINH WHEEL DRIVE CANTON, MI 48187 | AFLAC | $4 | $0 | $4 | 0.02% |
| DREW LILLIE3 Filed as: DREW LILLIE AND OTHER AGENT | 3863 FARNSWORTH DRIVE LANSING, MI 48906 | AFLAC | $3 | $0 | $3 | 0.01% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $576 | $459 | $1K | 8.99% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $576 | $0 | $576 | 5.00% |
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 | 163 | 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) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 47 | $305K |
| Dental(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 84 | $194K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 163 | $12K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 163 | $12K |
| Short-term disability | AFLAC | 55 | $22K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 47 | $305K |
| Other(2 contracts, 2 carriers) | AFLAC | 163 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.