| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARK J MERUCCI3 | 21067 MAYBURY PARK DRIVE NORTHVILLE, MI 48167 | BLUE CARE NETWORK OF MICHIGAN | $46K | — | $46K | 2.97% |
| M&M BENEFIT GROUP LLC3 Filed as: M AND M BENEFIT GROUP LLC | 21067 MAYBURY PARK DRIVE NORTHVILLE, MI 48167 | BLUE CARE NETWORK OF MICHIGAN | — | $821 | $821 | 0.05% |
| MARK J MERUCCI3 | 21067 MAYBURY PARK DRIVE NORTHVILLE, MI 48167 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $31K | — | $31K | 3.23% |
| M&M BENEFIT GROUP LLC3 Filed as: M AND M BENEFIT GROUP LLC | 21067 MAYBURY PARK DRIVE NORTHVILLE, MI 48167 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $4K | $4K | 0.47% |
| M&M BENEFIT GROUP LLC3 Filed as: M & M BENEFIT GROUP | 39500 HIGH POINTE BLVD STE 400 NOVI, MI 48375 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $527 | $11K | 15.75% |
| M&M BENEFIT GROUP LLC3 Filed as: M & M BENEFIT GROUP | 39500 HIGH POINTE BLVD STE 400 NOVI, MI 48375 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $342 | $7K | 17.66% |
| M&M BENEFIT GROUP LLC3 Filed as: M AND M BENEFIT GROUP | 39500 HIGH POINTE BLVD STE 400 NOVI, MI 48375 | UNUM INSURANCE COMPANY | $2K | $112 | $2K | 18.84% |
| M&M BENEFIT GROUP LLC3 Filed as: M AND M BENEFIT GROUP | 39500 HIGH POINTE BLVD STE 400 NOVI, MI 48375 | UNUM INSURANCE COMPANY | $2K | $154 | $2K | 16.93% |
| M&M BENEFIT GROUP LLC3 Filed as: M & M BENEFIT GROUP | 39500 HIGH POINTE BLVD STE 400 NOVI, MI 48375 | UNUM INSURANCE COMPANY | $839 | $104 | $943 | 22.27% |
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 | 423 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 423 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 420 | $2.5M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 420 | $952K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 420 | $952K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 142 | $70K |
| Short-term disability | UNUM INSURANCE COMPANY | 53 | $4K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 74 | $41K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 420 | $2.5M |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 142 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 420 | — |
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.