| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARK J MERUCCI3 | 21067 MAYBURY PARK DRIVE NORTHVILLE, MI 48167 | BLUE CROSS BLUE SHEILD | $52K | $0 | $52K | 2.16% |
| ACTION BENEFITS COMPANY3 | 26533 EVERGREEN RD. SUITE 400 SOUTHFIELD, MI 48076 | BLUE CROSS BLUE SHEILD | $11K | $0 | $11K | 0.48% |
| MARK J MERUCCI3 | 21067 MAYBURY PARK DRIVE NORTHVILLE, MI 48167 | BLUE CARE NETWORK OF MICHIGAN | $2K | $368 | $3K | 2.22% |
| ACTION BENEFITS COMPANY3 | 26533 EVERGREEN RD. SUITE 400 SOUTHFIELD, MI 48076 | BLUE CARE NETWORK OF MICHIGAN | $754 | $0 | $754 | 0.61% |
| STEVEN RAY GRIFFIN3 | 2000 MORRIS AVE SUITE 1400 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $3K | $19K | 42.56% |
| M & M BENEFITS GROUP3 | 39500 HIGH POINTE BLVD SUITE 400 NOVI, MI 48375 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 13.49% |
| STEVEN RAY GRIFFIN3 | 2000 MORRIS AVE SUITE 1400 BIRMINGHAM, AL 35203 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $1K | $11K | 61.12% |
| M & M BENEFITS GROUP3 | 39500 HIGH POINTE BLVD SUITE 400 NOVI, MI 48375 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 14.38% |
| DIRECT BUSINESS MICHIGAN OFFICE3 | 1000 TOWN CENTER #900 SOUTHFIELD, MI 48075 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
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 | 266 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 266 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHEILD | 551 | $2.5M |
| Dental | BLUE CROSS BLUE SHEILD | 551 | $2.4M |
| Vision | BLUE CROSS BLUE SHEILD | 551 | $2.4M |
| Life insurance | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 14 | $17K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHEILD | 551 | $2.5M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 232 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 551 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.