| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REGINA JESSUP GOODMAN3 | 2800 LIVERNOIS STE 170 TROY, MI 480831212 | BLUE CARE NETWORK OF MICHIGAN | $44K | — | $44K | 1.38% |
| GOODMAN VENEGAS INSURANCE AGENCY3 | 2800 LIVERNOIS RD STE 170 TROY, MI 480831212 | BLUE CARE NETWORK OF MICHIGAN | $383 | — | $383 | 0.01% |
| REGINA JESSUP GOODMAN3 | 2800 LIVERNOIS RD STE 170 TROY, MI 480831212 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $10K | — | $10K | 1.60% |
| GOODMAN VENEGAS INSURANCE AGENCY3 | 2800 LIVERNOIS RD STE 170 TROY, MI 480831212 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $5K | — | $5K | 0.71% |
| GOODMAN VENEGAS INSURANCE AGENCY | 2800 LIVERNOIS STE 170 TROY, MI 480831212 | GUARDIAN HEALTH | $42K | — | $42K | 12.40% |
| GOODMAN VENEGAS INSURANCE AGENCY3 | 2800 LIVERNOIS RD STE 170 TROY, MI 480831252 | EYEMED | $4K | — | $4K | 10.46% |
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 | 469 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 469 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 741 | $3.8M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 741 | $989K |
| Vision | EYEMED | 657 | $39K |
| Life insurance | GUARDIAN HEALTH | 469 | $341K |
| Short-term disability | GUARDIAN HEALTH | 469 | $341K |
| Long-term disability | GUARDIAN HEALTH | 469 | $341K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 741 | $3.8M |
| Other | GUARDIAN HEALTH | 469 | $341K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 741 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.