| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REGINA JESSUP GOODMAN3 | 2800 LIVERNOIS SUITE 170 TROY, MI 48083 | BLUE CROSS BLUE SHIELD OF ALABAMA | $8K | — | $8K | 0.28% |
| GOODMAN VENEGAS INSURANCE AGENCY3 | 2800 LIVERNOIS SUITE 170 TROY, MI 48083 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $8K | — | $8K | 15.00% |
| GOODMAN VENEGAS INSURANCE AGENCY3 | 2800 LIVERNOIS SUITE 170 TROY, MI 48083 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $8K | — | $8K | 15.00% |
| GOODMAN VENEGAS INSURANCE AGENCY3 | 2800 LIVERNOIS SUITE 170 TROY, MI 48083 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $8K | — | $8K | 15.00% |
| GOODMAN VENEGAS INSURANCE AGENCY3 | 2800 LIVERNOIS SUITE 170 TROY, MI 48083 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $7K | — | $7K | 15.00% |
| GOODMAN VENEGAS INSURANCE AGENCY3 | 2800 LIVERNOIS RD SUITE 170 TROY, MI 48083 | VISION SERVICE PLAN | $2K | — | $2K | 4.10% |
| GOODMAN VENEGAS INSURANCE AGENCY3 | 2800 LIVERNOIS SUITE 170 TROY, MI 48083 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $5K | — | $5K | 21.13% |
| TRACY KATZ LLC3 Filed as: TRACY KATZ | 1662 E MELTON RD BIRMINGHAM, MI 48009 | PRE-PAID LEGAL SERVICES INC | $1K | — | $1K | 15.28% |
| REGINA JESSUP GOODMAN3 Filed as: REGINA GOODMAN VENEGAS | 2800 LIVERNOIS RD TROY, MI 48083 | PRE-PAID LEGAL SERVICES INC | $1K | — | $1K | 11.89% |
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 | 372 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 377 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS BLUE SHIELD OF ALABAMA | 681 | $2.8M |
| Vision | VISION SERVICE PLAN | 307 | $40K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE CO | 468 | $48K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE CO | 128 | $78K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 681 | $2.8M |
| Other(5 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 681 | $3.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 681 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.