| 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 | $42K | $0 | $42K | 2.21% |
| M & M BENEFITS GROUP3 Filed as: M AND M BENEFITS GROUP LLC | 21067 MAYBURY PARK DRIVE NORTHVILLE, MI 48167 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $5K | $5K | 0.28% |
| MARK J MERUCCI3 | 21067 MAYBURY PARK DRIVE NORTHVILLE, MI 48167 | BLUE CARE NETWORK OF MICHIGAN | $16K | $0 | $16K | 2.95% |
| 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 | $0 | $655 | $655 | 0.12% |
| 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 | $17K | — | $17K | 15.00% |
| 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 | $9K | $0 | $9K | 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 | $3K | $0 | $3K | 15.00% |
| M&M BENEFIT GROUP LLC3 Filed as: M AND M BENEFIT GROUP | 39500 HIGH POINTE BLVD STE 400 NOVI, MI 48735 | UNUM INSURANCE COMPANY | $3K | $0 | $3K | 15.49% |
| M&M BENEFIT GROUP LLC3 Filed as: M AND M BENEFIT GROUP | 39500 HIGH POINTE BLVD STE 400 NOVI, MI 48375 | UNUM INSURANCE COMPANY | $1K | — | $1K | 13.07% |
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 | 201 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 201 | 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 | 425 | $2.5M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 425 | $1.9M |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 425 | $1.9M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 151 | $63K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 90 | $110K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 425 | $2.5M |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 90 | $161K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 425 | — |
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."
No prospect flags tripped on this filing.