| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT A KELLEHER3 Filed as: ROBERT B ARTINIAN | 901 WILSHIRE DRIVE SUITE 330 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $12K | $37K | $49K | 14.36% |
| WILSHIRE BENEFITS GROUP INC3 | 901 WILSHIRE DRIVE SUITE 330 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $3K | $3K | 0.89% |
| WILSHIRE BENEFITS GROUP INC3 | 901 WILSHIRE DR SUITE 330 TROY, MI 48084 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | — | $8K | 6.70% |
| JEFFREY EMERY3 Filed as: JEFFREY S EMERY | 34 N HOWELL ST HILLSDALE, MI 49242 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | — | $8K | 6.60% |
| KARIE L HOOTMAN3 | P.O. BOX 99 JONESVILLE, MI 49250 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 2.91% |
| JACQUELYN A SULLIVAN3 | P.O. BOX 99 JONESVILLE, MI 49250 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 2.42% |
| MICHAEL L TRUDEAU3 | 30078 SCHOENHERR RD SUITE 200 WARREN, MI 48093 | CONTINENTAL AMERICAN INSURANCE COMPANY | $840 | — | $840 | 0.71% |
| RONALD A DASHKOVITZ3 | 1901 N. FAIRVIEW AVE LANSING, MI 48912 | CONTINENTAL AMERICAN INSURANCE COMPANY | $555 | — | $555 | 0.47% |
| RENEE M TRUDEAU3 | 30229 SCHOENHERR ROAD SUITE 100 WARREN, MI 48080 | CONTINENTAL AMERICAN INSURANCE COMPANY | $122 | — | $122 | 0.10% |
| WILSHIRE BENEFITS GROUP INC3 Filed as: WILSHIRE BENEFITS GROUP, INC. | 901 WILSHIRE DRIVE SUITE 330 TROY, MA 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $1K | $8K | 17.96% |
| WILSHIRE BENEFITS GROUP INC3 Filed as: WILSHIRE BENEFITS GROUP, INC. | 901 WILSHIRE DRIVE SUITE 330 TROY, MI 48084 | EYE MED | $2K | — | $2K | 9.05% |
| WILSHIRE BENEFITS GROUP INC3 Filed as: WILSHIRE BENEFITS GROUP, INC. | 901 WILSHIRE DRIVE SUITE 330 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $230 | $1K | 14.67% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 NONE | Claims processing; Contract Administrator; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Insurance services; Other fees; Direct payment from the plan Service code 12 | — | $171K |
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 | 231 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYE MED | 442 | $26K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 231 | $9K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 169 | $118K |
| Long-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 169 | $118K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 199 | $338K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 231 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 442 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.