| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORNERSTONE BENEFITS LLC3 Filed as: CORNERSTONE BENEFITS, LLC | 1450 W LONG LAKE RD, STE 250 TROY, MI 48098 | AETNA LIFE INSURANCE CO | $12K | — | $12K | 3.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF RD, STE 1000 ROLLING MEADOWS, IL 60008 | AETNA LIFE INSURANCE CO | $5K | — | $5K | 1.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | TWO PIERCE PLACE ITASCA, IL 60143 | AETNA LIFE INSURANCE CO | $4K | — | $4K | 1.01% |
| CORNERSTONE BENEFITS LLC3 Filed as: CORNERSTONE BENEFITS, LLC | 1450 W LONG LAKE , STE 250 TROY, MI 48098 | UNUM LIFE INSURANCE CO | $6K | — | $6K | 2.71% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 30150 TELEGRAPH RD, STE 408 BINGHAM FARMS, MI 48025 | UNUM LIFE INSURANCE CO | $6K | — | $6K | 2.64% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 W GOLF RD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE CO | — | $870 | $870 | 0.41% |
| CORNERSTONE BENEFITS LLC3 Filed as: CORNERSTONE BENEFITS, LLD | 1450 W LONG LAKE TROY, MI 48098 | UNUM LIFE INSURANCE CO | $9K | — | $9K | 9.81% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 30150 TELEGRAPH RD, STE 408 BINGHAM FARMS, MI 48025 | UNUM LIFE INSURANCE CO | $5K | — | $5K | 5.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 W GOLF RD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE CO | — | $408 | $408 | 0.43% |
| CORNERSTONE BENEFITS LLC3 | 1450 WEST LONG LAKE RD TROY, MI 48098 | EYEMED | $3K | — | $3K | 7.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 30150 TELEGRAPH RD, STE 408 BINGHAM FARMS, MI 48025 | EYEMED | $2K | — | $2K | 3.58% |
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 | 548 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 553 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO | 1,164 | $353K |
| Vision | EYEMED | 750 | $45K |
| Life insurance | UNUM LIFE INSURANCE CO | 552 | $214K |
| Short-term disability | UNUM LIFE INSURANCE CO | 552 | $214K |
| Long-term disability | UNUM LIFE INSURANCE CO | 552 | $214K |
| Other | UNUM LIFE INSURANCE CO | 220 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,164 | — |
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.