| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FLINN FINANCIAL, INC.3 | 1150 BOYNE AVENUE BOYNE CITY, MI 49712 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $43K | $0 | $43K | 3.58% |
| DENISE LEWANIAK3 Filed as: DENISE A LEWANIAK | 1150 BOYNE AVENUE BOYNE CITY, MI 49712 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $43K | $0 | $43K | 3.58% |
| FLINN FINANCIAL, INC.3 | 1150 BOYNE AVENUE BOYNE CITY, MI 49712 | BLUE CARE NETWORK OF MICHIGAN | $11K | $0 | $11K | 1.25% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 2338 IMMOKALEE ROAD, STE 240 NAPLES, FL 34110 | HARTFORD LIFE AND ACCIDENT | $0 | $20K | $20K | 8.67% |
| FLINN FINANCIAL, INC.3 | 1150 BOYNE AVENUE BOYNE CITY, MI 49712 | HARTFORD LIFE AND ACCIDENT | $13K | $0 | $13K | 5.30% |
| FLINN FINANCIAL, INC.3 | 1150 BOYNE AVENUE BOYNE CITY, MI 49712 | DELTA DENTAL OF MICHIGAN | $5K | $0 | $5K | 3.51% |
| TIMOTHY BIRDSONG3 | 302 FIELDBROOK DRIVE WASHINGTON, PA 15301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $256 | $76 | $332 | 14.38% |
| DONNA TROXELL3 | 706 WESTWOOD DRIVE GIBSONIA, PA 15044 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $172 | $97 | $269 | 11.65% |
| FLINN FINANCIAL, INC.3 | 1150 BOYNE AVENUE BOYNE CITY, MI 49712 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $206 | — | $206 | 8.92% |
| TERESA LYNN FOUTZ3 | 1877 LEALAND AVE POLAND, OH 44514 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $92 | — | $92 | 3.98% |
| DONNA TROXELL3 | 706 WESTWOOD DRIVE GIBSONIA, PA 15044 | THE PAUL REVERE LIFE INSURANCE COMPANY | $21 | $27 | $48 | 6.11% |
| TIMOTHY BIRDSONG3 | 302 FIELDBROOK DRIVE WASHINGTON, PA 15301 | THE PAUL REVERE LIFE INSURANCE COMPANY | $17 | $9 | $26 | 3.31% |
| TERESA LYNN FOUTZ3 | 1877 LEALAND AVE POLAND, OH 44514 | THE PAUL REVERE LIFE INSURANCE COMPANY | $20 | — | $20 | 2.54% |
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 | 340 | 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) | 340 | 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 | 375 | $2.1M |
| Dental | DELTA DENTAL OF MICHIGAN | 437 | $141K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 375 | $1.2M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 340 | $236K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 340 | $236K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 340 | $236K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 375 | $2.1M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 340 | $237K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 437 | — |
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.