| 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 | $53K | — | $53K | 2.78% |
| 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 | $0 | $3K | $3K | 0.17% |
| MARK J MERUCCI | 21067 MAYBURY PARK DRIVE NORTHVILLE, MI 48167 | BLUE CARE NETWORK OF MICHIGAN | $17K | — | $17K | 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 | — | $670 | $670 | 0.12% |
| M & M BENEFITS GROUP3 | 39500 HIGH POINTE BLVD STE 400 NOVI, MI 48375 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 14.93% |
| M & M BENEFITS GROUP3 | 39500 HIGH POINTE BLVD STE 400 NOVI, MI 48375 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 15.75% |
| M & M BENEFITS GROUP3 | 39500 HIGH POINTE BLVD STE 400 NOVI, MI 48375 | UNUM INSURANCE COMPANY | $3K | — | $3K | 14.16% |
| M & M BENEFITS GROUP3 | 39500 HIGH POINTE BLVD STE 400 NOVI, MI 48375 | UNUM INSURANCE COMPANY | $3K | — | $3K | 17.69% |
| M & M BENEFITS GROUP3 | 39500 HIGH POINTE BLVD STE 400 NOVI, MI 48375 | UNUM INSURANCE COMPANY | $2K | — | $2K | 17.23% |
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 | 408 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 408 | 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 | 432 | $2.5M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 432 | $1.9M |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 432 | $1.9M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 151 | $54K |
| Short-term disability | UNUM INSURANCE COMPANY | 88 | $18K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 98 | $94K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 432 | $2.5M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 98 | $127K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 432 | — |
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.