| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARIA FUENTES3 | 1111 BRICKELL AVENUE, SUITE 2700 MIAMI, FL 33131 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $129K | $0 | $129K | 3.56% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | SUN LIFE ASSURANCE COMPANY OF CANADA | $58K | — | $58K | 6.83% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 0.63% |
| MARIA FUENTES3 | 1111 BRICKELL AVENUE, SUITE 2700 MIAMI, FL 33131 | BLUE CARE NETWORK OF MICHIGAN | $23K | $0 | $23K | 3.89% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $2K | $3K | 8.86% |
| LOCKTON COMPANIES, LLC3 | 1111 BRICKELL AVENUE, SUITE 2700 MIAMI, FL 33131 | ARAG INSURANCE COMPANY | $2K | $0 | $2K | 8.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 8 CADILLAC DRIVE BRENTWOOD, TN 37027 | ARAG INSURANCE COMPANY | $273 | $0 | $273 | 1.54% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON | PO BOX 843844 KANSAS CITY, MO 64184 | CHUBB INSURANCE COMPANY | $2K | $0 | $2K | 12.01% |
| INNOVATIVE WORKPLACE BENEFITS3 Filed as: INNOVATIVE WORKPLACE | UNKNOWN CORAL GABLES, FL 33134 | CHUBB INSURANCE COMPANY | $1K | — | $1K | 7.99% |
| ACI3 | UNKNOWN CORAL GABLES, FL 33134 | CHUBB INSURANCE COMPANY | $1K | — | $1K | 6.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | CHUBB INSURANCE COMPANY | $470 | $0 | $470 | 2.99% |
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 | 1,600 | 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) | 1,600 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 603 | $4.3M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,188 | $857K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,188 | $857K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,188 | $857K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,188 | $857K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,188 | $857K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 603 | $4.2M |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,600 | $901K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,600 | — |
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."
No prospect flags tripped on this filing.