| 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 | $38K | $0 | $38K | 4.51% |
| TGG SOLUTIONS3 | 588 3 MILE ROAD NW, SUITE 101 GRAND RAPIDS, MI 49544 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $3K | $0 | $3K | 0.32% |
| LOCKTON COMPANIES, LLC3 | 725 FIGUEROA STREET, 35TH FLOOR LOS ANGELES, CA 90017 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $2K | $2K | 0.29% |
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP, INC. | 1 IONIA AVENUE SW, SUITE 300 GRAND RAPIDS, MI 49503 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $702 | $702 | 0.08% |
| TOBY TUCKER3 Filed as: TOBY D. TUCKER | 2130 WEALTHY STREET SE, SUITE 8 GRAND RAPIDS, MI 49506 | BLUE CROSS BLUE SHIELD OF MICHIGAN | -$929 | $0 | -$929 | -0.11% |
| MARIA FUENTES3 | 1111 BRICKELL AVENUE, SUITE 2700 MIAMI, FL 33131 | BLUE CARE NETWORK OF MICHIGAN | $16K | $0 | $16K | 4.46% |
| LOCKTON COMPANIES, LLC3 | 725 FIGUEROA STREET, 35TH FLOOR LOS ANGELES, CA 90017 | BLUE CARE NETWORK OF MICHIGAN | $0 | $1K | $1K | 0.36% |
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP, INC. | 1 IONIA AVENUE SW, SUITE 300 GRAND RAPIDS, MI 49503 | BLUE CARE NETWORK OF MICHIGAN | $0 | $378 | $378 | 0.10% |
| LOCKTON COMPANIES, LLC3 | 6000 FELDWOOD ROAD COLLEGE PARK, GA 30349 | SUN LIFE ASSURANCE COMPANY OF CANADA | $32K | $7K | $39K | 17.40% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | ACE AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 14.99% |
| DSM FINANCIAL LLC3 | 10519 WHEELHOUSE CIRCLE BOCA RATON, FL 33428 | ACE AMERICAN INSURANCE COMPANY | $995 | $0 | $995 | 8.00% |
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 | 271 | 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) | 271 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 333 | $1.2M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 637 | $223K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 637 | $223K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 637 | $223K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 637 | $223K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 637 | $223K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 333 | $1.2M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 637 | $223K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 637 | — |
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.