| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARK J MERUCCI3 | 21067 MAYBURY PARK DRIVE NORTHVILLE, MI 48167 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $31K | $3K | $34K | 1.40% |
| MARK J MERUCCI3 | 21067 MAYBURY PARK DRIVE NORTHVILLE, MI 48167 | BLUE CARE NETWORK OF MICHIGAN | $9K | $986 | $10K | 1.45% |
| M & M BENEFITS GROUP3 | 39500 HIGH POINTE BLVD SUITE 400 NOVI, MI 48375 | STARMOUNT LIFE INSURANCE COMPANY | $22K | $0 | $22K | 10.00% |
| M & M BENEFITS GROUP3 | 39500 HIGH POINTE BLVD SUITE 400 NOVI, MI 48375 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | $0 | $18K | 15.16% |
| M & M BENEFITS GROUP3 | 39500 HIGH POINTE BLVD SUITE 400 NOVI, MI 48375 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 15.36% |
| M & M BENEFITS GROUP3 | 39500 HIGH POINTE BLVD SUITE 400 NOVI, MI 48375 | UNUM INSURANCE COMPANY | $3K | $0 | $3K | 15.92% |
| M & M BENEFITS GROUP3 | 39500 HIGH POINTE BLVD SUITE 400 NOVI, MI 48375 | UNUM INSURANCE COMPANY | $3K | $0 | $3K | 15.08% |
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 | 251 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 251 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 705 | $3.1M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 422 | $223K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 705 | $2.4M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 316 | $55K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 705 | $3.1M |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 316 | $217K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 705 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.