| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M&M BENEFIT GROUP LLC3 Filed as: M AND M BENEFIT GROUP | 39500 HIGH POINTE BLVD STE 400 NOVI, MI 48375 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $0 | $14K | 0.15% |
| MARK J MERUCCI3 | 21067 MAYBURY PARK DRIVE NORTHVILLE, MI 48167 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $104K | $5K | $108K | 3.21% |
| MARK J MERUCCI3 | 21067 MAYBURY PARK DRIVE NORTHVILLE, MI 48167 | BLUE CARE NETWORK OF MICHIGAN | $22K | $1K | $24K | 3.22% |
| M&M BENEFIT GROUP LLC3 Filed as: M AND M BENEFIT GROUP | 39500 HIGH POINTE BLVD STE 400 NOVI, MI 48375 | STARMOUNT LIFE INSURANCE COMPANY | $31K | $0 | $31K | 10.90% |
| M&M BENEFIT GROUP LLC3 Filed as: M AND M BENEFIT GROUP | 39500 HIGH POINTE BLVD STE 400 NOVI, MI 48375 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | $0 | $23K | 15.00% |
| M&M BENEFIT GROUP LLC Filed as: M AND M BENEFIT GROUP | 39500 HIGH POINTE BLVD STE 400 NOVI, MI 48375 | UNUM INSURANCE COMPANY | $6K | $0 | $6K | 15.00% |
| M&M BENEFIT GROUP LLC3 Filed as: M AND M BENEFIT GROUP | 39500 HIGH POINTE BLVD STE 400 NOVI, MI 48375 | UNUM INSURANCE COMPANY | $6K | $0 | $6K | 15.00% |
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 | 278 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 278 | 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 | 829 | $4.1M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 475 | $284K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 829 | $3.4M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 360 | $9.4M |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 829 | $4.1M |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 360 | $9.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 829 | — |
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.
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.