| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORNERSTONE BENEFITS LLC3 | 1450 W LONG LAKE, STE 250 TROY, MI 48098 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $31K | — | $31K | 10.17% |
| FRANK MAYER3 | 5435 CORPORATE DR TROY, MI 48098 | DELTA DENTAL OF MICHIGAN | $23K | — | $23K | 8.14% |
| CORNERSTONE BENEFITS LLC3 | 1450 W. LONG LAKE, STE 250 TROY, MI 48098 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | — | $21K | 16.11% |
| CORNERSTONE BENEFITS LLC3 | 1450 W LONG LAKE, STE 250 TROY, MI 48098 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | — | $20K | 17.82% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 2.76% |
| CORNERSTONE BENEFITS LLC3 Filed as: CORNERSTONE BENEFITS, LLC | 1450 W. LONG LAKE ROAD TROY, MI 48098 | EYEMED | $5K | — | $5K | 10.09% |
| FRANK J MAYER3 | 27750 STANSBURY #100 FARMINGTON HILLS, MI 48334 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $9K | $43K | $53K | — |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSOC LLC | 30600 NORTHWESTERN HWY STE 200 FARMINGTON HILLS, MI 48334 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $6K | $6K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 TPA | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Contract Administrator; Consulting (general); Insurance services; Float revenue; Other fees; Direct payment from the plan Service code 12 | — | $385K |
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 | 493 | 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) | 493 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 866 | $0 |
| Dental | DELTA DENTAL OF MICHIGAN | 963 | $283K |
| Vision | EYEMED | 760 | $54K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 493 | $437K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 493 | $437K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 493 | $308K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 866 | $0 |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 866 | $0 |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 300 | $241K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 963 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.