| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCOTT SETTLE3 | 4000 TOWN CENTER DRIVE, SUITE 8 SOUTHFIELD, MI 48075 | BLUE CARE NETWORK OF MICHIGAN | $18K | $0 | $18K | 2.01% |
| CARRIE A. FARNUM3 | PO BOX 62899 VIRGINIA BEACH, VA 23466 | BLUE CARE NETWORK OF MICHIGAN | $8K | $0 | $8K | 0.95% |
| USI INSURANCE SERVICES LLC3 | 2600 WEST BIG BEAVER ROAD, SUITE 1 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $0 | $650 | $650 | 0.07% |
| TGG SOLUTIONS3 | 588 3 MILE ROAD NW, SUITE101 GRAND RAPIDS, MI 49544 | BLUE CARE NETWORK OF MICHIGAN | $613 | $0 | $613 | 0.07% |
| SCOTT SETTLE3 | 4000 TOWN CENTER DRIVE, SUITE 8 SOUTHFIELD, MI 48075 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $4K | $0 | $4K | 2.10% |
| CARRIE A. FARNUM3 | PO BOX 62899 VIRGINIA BEACH, VA 23466 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $2K | $0 | $2K | 0.94% |
| TGG SOLUTIONS3 | 588 3 MILE ROAD NW, SUITE101 GRAND RAPIDS, MI 49544 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $98 | $0 | $98 | 0.05% |
| USI INSURANCE SERVICES LLC3 | 2600 WEST BIG BEAVER ROAD, SUITE 1 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $85 | $85 | 0.04% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $6K | $14K | 26.48% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $1K | $0 | $1K | 9.84% |
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 | 133 | 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) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 227 | $1.1M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 206 | $13K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 143 | $53K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 143 | $53K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 227 | $1.1M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 143 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 227 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.