| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEVIN OVERBEY3 Filed as: KEVIN T OVERBEY | 701 B STREET 4TH FLOOR SAN DIEGO, CA 92101 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $75K | — | $75K | 2.87% |
| EUGENE SMITH3 | ALLIANT INSURANCE 353 N CLARK ST FL 11 CHICAGO, IL 606540654 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $8K | — | $8K | 0.30% |
| ALLIANT INSURANCE SERVICES, INC.3 | 353 N CLARK ST FL 10 CHICAGO, IL 60654 | DELTA DENTAL OF MICHIGAN | $5K | — | $5K | 3.15% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | ATTN ERICA MENDEZ 701 B ST STE 600 SAN DIEGO, CA 92101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $3K | $13K | 8.57% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | ATTN ERICA MENDEZ 701 B ST STE 600 SAN DIEGO, CA 92101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $647 | $5K | 17.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 701 B ST 6TH FLOOR SAN DIEGO, CA 92101 | EYEMED | $3K | — | $3K | 9.88% |
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 | 236 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 462 | $2.6M |
| Dental | DELTA DENTAL OF MICHIGAN | 441 | $168K |
| Vision | EYEMED | 363 | $28K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 236 | $189K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 236 | $156K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 236 | $156K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 462 | $2.6M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 236 | $189K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 462 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.