| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORNERSTONE BENEFITS LLC3 | 1450 W LONG LAKE RD STE 250 TROY, MI 48098 | DELTA DENTAL OF MICHIGAN | $24K | — | $24K | 7.32% |
| CORNERSTONE BENEFITS LLC3 Filed as: CORNERSTONE BENEFITS, LLC | 1450 W LONG LAKE , STE 250 TROY, MI 48098 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 4.91% |
| CORNERSTONE BENEFITS LLC3 Filed as: CORNERSTONE BENEFITS, LLC | 1450 W LONG LAKE STE 250 TROY, MI 48098 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 14.99% |
| CORNERSTONE BENEFITS LLC3 | 1450 WEST LONG LAKE RD TROY, MI 48098 | EYEMED | $6K | — | $6K | 10.64% |
| FRANK J MAYER3 | 27750 STANSBURY #100 FARMINGTON HILLS, MI 48334 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $13K | $43K | $57K | — |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 30150 TELEGRAPH S#408 BINGHAM FARMS, MI 48025 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $3K | $3K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 TPA | Consulting (general); Other fees; Float revenue; Insurance services; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Direct payment from the plan Service code 12 | — | $463K |
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 | 563 | 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) | 563 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 478 | $0 |
| Dental | DELTA DENTAL OF MICHIGAN | 1,096 | $331K |
| Vision | EYEMED | 810 | $57K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 563 | $253K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 563 | $253K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 563 | $253K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 478 | $0 |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 478 | $0 |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 243 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,096 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.