| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES P BENNETT & CO3 Filed as: JAMES P. BENNETT & CO | 2716 OCEAN PARK BLVD #1045 SANTA MONICA, CA 90405 | BLUE CROSS OF CALIFORNIA | $58K | — | $58K | 6.68% |
| PATRICIA CLINE3 | 444 WEST MICHIGAN AVENUE KALAMAZOO, MI 49005 | BLUE CARE NETWORK OF MICHIGAN | $11K | — | $11K | 3.66% |
| GROTENHUIS3 | PO BOX 140167 GRAND RAPIDS, MI 49514 | BLUE CARE NETWORK OF MICHIGAN | $3K | — | $3K | 0.87% |
| JAMES P BENNETT & CO3 | 2716 OCEAN PARK BOULEVARD SUITE 1045 SANTA MONICA, CA 90405 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $58K | — | $58K | 21.59% |
| JAMES P BENNETT & CO3 | 2716 OCEAN PARK BOULVARD SUITE 1045 SANTA MONICA, CA 90405 | AETNA LIFE INSURANCE CO | $7K | — | $7K | 9.37% |
| TRI-TEC EMPLOYEE BENEFIT3 | 2184 A COMMONS PARKWAY OKEMOS, MI 48864 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 6.29% |
| CHRISTOPHER T FISHER LLC3 | 444 WEST MICHIGAN AVENUE KALAMAZOO, MI 49007 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $427 | — | $427 | 1.16% |
| LUCIDIO-MORRIS & ASSOCIATES3 Filed as: LUCIDIO MORRIS ASSOCIATES LLC | 24255 WEST 13 MILE ROAD SUITE 250 BINGHAM FARMS, MI 48025 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $46 | — | $46 | 0.13% |
| LUCIDIO-MORRIS & ASSOCIATES3 Filed as: LUCIDIO MORRIS ASSOCIATES LLC | 24255 WEST 13 MILE ROAD SUITE 250 BINGHAM FARMS, MI 48025 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9 | — | $9 | 0.02% |
| JAMES P BENNETT & CO3 | 2716 OCEAN PARK BLVD SUITE 1045 SANTA MONICA, CA 90405 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| JAMES P BENNETT & CO3 | 2716 OCEAN PARK BLVD SUITE 1045 SANTA MONICA, CA 90405 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 14.99% |
| CHRISTOPHER T FISHER LLC3 | 444 WEST MICHIGAN AVE KALAMAZOO, MI 49007 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY (MI) | $882 | — | $882 | 12.68% |
| JAMES P BENNETT & CO3 | 2716 OCEAN PARK BOULEVARD SUITE 1045 SANTA MONICA, CA 90405 | FEDERAL INSURANCE COMPANY | $521 | — | $521 | 15.01% |
| JAMES P BENNETT & CO3 | 2716 OCEAN PARK BOULEVARD SUITE 1045 SANTA MONICA, CA 90405 | FEDERAL INSURANCE COMPANY | $80 | — | $80 | 2.31% |
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 | 134 | 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) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 112 | $1.4M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO | 205 | $111K |
| Vision(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 112 | $304K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 231 | $21K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY (MI) | 62 | $7K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 30 | $9K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 52 | $312K |
| Other(3 contracts, 3 carriers) | BLUE CARE NETWORK OF MICHIGAN | 231 | $337K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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.