| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCOTT SETTLE3 | 2600 W. BIG BEAVER ROAD TROY, MI 48075 | BLUE CARE NETWORK OF MICHIGAN | $32K | — | $32K | 3.36% |
| JAY WILEY OFIELD3 | 460 ADA DR. SUITE 222 ADA, MI 49301 | BLUE CARE NETWORK OF MICHIGAN | $6K | — | $6K | 0.63% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC STOCKTON | 3333 DEPOSIT DRIVE NE SUITE 230 GRAND RAPIDS, MI 49503 | BLUE CARE NETWORK OF MICHIGAN | — | $579 | $579 | 0.06% |
| SCOTT SETTLE3 | 2600 W. BIG BEAVER ROAD SUITE 140 TROY, MI 48075 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $2K | — | $2K | 2.80% |
| JAY WILEY OFIELD3 | 460 ADA DR. SUITE 222 ADA, MI 49301 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $488 | — | $488 | 0.62% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC STOCKTON | 3333 DEPOSIT DRIVE NE SUITE 230 GRAND RAPIDS, MI 49546 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $78 | $78 | 0.10% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DRIVE SUITE 400 VALHALLA, NY 10595 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 4.01% |
| LOXLY GROUP, LLC SYMPL BENEFITS3 | 460 ADA DR. SUITE 222 ADA, MI 49301 | DELTA DENTAL OF MICHIGAN | $457 | — | $457 | 0.68% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | PO BOX 62937 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 19.68% |
| SYMPL BENEFITS INSURANCE AGENCY3 Filed as: SYMPL BENEFITS INSURANCE | 460 ADA DR. SUITE 222 ADA, MI 49301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 3.76% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $792 | $792 | 2.24% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $903 | — | $903 | 6.36% |
| LOXLEY GROUP, LLC3 Filed as: LOXLEY GROUP, LLC DBA SYMPL BENEFIT | 460 ADA DR. SUITE 222 ADA, MI 49301 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $322 | — | $322 | 2.27% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $756 | $2K | 18.11% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $816 | $816 | 6.96% |
| SYMPL BENEFITS INSURANCE AGENCY3 Filed as: SYMPL BENEFITS INSURANCE | 460 ADA DR. SUITE 222 ADA, MI 49301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $392 | — | $392 | 3.34% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $656 | $564 | $1K | 14.63% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $792 | $792 | 9.50% |
| SYMPL BENEFITS INSURANCE AGENCY3 Filed as: SYMPL BENEFITS INSURANCE | 460 ADA DR. SUITE 222 ADA, MI 49301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $178 | — | $178 | 2.13% |
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 | 110 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 176 | $1.0M |
| Dental | DELTA DENTAL OF MICHIGAN | 179 | $67K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 172 | $14K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 128 | $44K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 13 | $12K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 176 | $1.0M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 128 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.