| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GOODMAN VENEGAS INSURANCE AGENCY3 Filed as: GOODMAN VENEGAS INS AGENCY | 2800 LIVERNOI S-170 TRYP, MI 48083 | BLUE CARE NETWORK OF MI | — | $4K | $4K | 0.12% |
| REGINA JESSUP GOODMAN3 Filed as: REGINA JESSUP GOODMA | 2800 LIVERNOIS S-170 TROY, MI 48083 | BLUE CROSS BLUE SHIELD OF MI | $8K | — | $8K | 0.84% |
| GOODMAN VENEGAS INSURANCE AGENCY3 Filed as: GOODMAN VENEGAS INS AGENCY | 2800 LIVERNOIS S-170 TROY, MI 48083 | BLUE CROSS BLUE SHIELD OF MI | — | $4K | $4K | 0.43% |
| GOODMAN VENEGAS INSURANCE AGENCY3 Filed as: GOODMAN VENEGAS INS AGENCY | 2800 LIVERNOIS SUITE 170 TROY, MI 48083 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANT | $14K | — | $14K | 15.00% |
| GOODMAN VENEGAS INSURANCE AGENCY3 Filed as: GOODMAN VENEGAS INS AGENCY | 2800 LIVERNOIS SUITE 170 TROY, MI 48083 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANT | $12K | — | $12K | 15.00% |
| GOODMAN VENEGAS INSURANCE AGENCY3 Filed as: GOODMAN VENEGAS INS AGENCY | 2800 LIVERNOIS SUITE 170 TROY, MI 48083 | THE NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 15.00% |
| GOODMAN VENEGAS INSURANCE AGENCY3 Filed as: GOODMAN VENEGAS INS AGENCY | 2800 LIVERNOIS SUITE 170 TROY, MI 48083 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANT | $9K | — | $9K | 15.00% |
| GOODMAN VENEGAS INSURANCE AGENCY3 Filed as: GOODMAN VENEGAS INS AGENCY | 2800 LIVERNOIS SUITE 170 TROY, MI 48083 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANT | $7K | — | $7K | 15.30% |
| GOODMAN VENEGAS INSURANCE AGENCY3 Filed as: GOODMAN VENEGAS INS AGENCY | 2800 LIVERNOIS SUITE 170 TROY, MI 48083 | VISION SERVICE PLAN | $2K | — | $2K | 4.43% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| REGINA JESSUP GOODMAN BROKER | Non-monetary compensation; Other commissions; Insurance brokerage commissions and fees; Insurance agents and brokers; Other fees Service code 22 | 2800 LIVERNOIS S-170 TROY, MI 48083 | $8K |
| GOODMAN BENEGAS INS AGENCY BROKER | Insurance agents and brokers; Other commissions; Other fees; Non-monetary compensation; Insurance brokerage commissions and fees Service code 22 | 2800 LIVERNOIS S-170 TROY, MI 48083 | $4K |
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 | 338 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 341 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MI | 621 | $3.8M |
| Vision | VISION SERVICE PLAN | 301 | $40K |
| Life insurance | THE NATIONAL LIFE INSURANCE COMPANY | 506 | $76K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANT | 117 | $125K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MI | 621 | $912K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANT | 506 | $234K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 621 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.