| 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 | $36K | — | $36K | 11.07% |
| FRANK J MAYER3 | 27750 STANSBURY #100 FARMINGTON HILLS, MI 48334 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $10K | $40K | $50K | 17.31% |
| CORNERSTONE BENEFITS LLC3 Filed as: CORNERSTONE BENEFITS-FRANK MAYER | 5435 CORPORATE DR STE 220 TROY, MI 48098 | DELTA DENTAL OF MICHIGAN | $22K | — | $22K | 7.96% |
| CORNERSTONE BENEFITS LLC3 | 1450 W. LONG LAKE, STE 250 TROY, MI 48098 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | — | $20K | 15.00% |
| CORNERSTONE BENEFITS LLC3 | 1450 W LONG LAKE, STE 250 TROY, MI 48098 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $27K | — | $27K | 21.01% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 3.20% |
| CORNERSTONE BENEFITS LLC3 Filed as: CORNERSTONE BENEFITS, LLC | 1450 W. LONG LAKE ROAD TROY, MI 48098 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE COMP | $6K | — | $6K | 10.68% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 TPA | Direct payment from the plan; Consulting (general); Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Float revenue; Insurance services; Other fees Service code 12 | — | $394K |
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 | 524 | 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) | 524 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 917 | $287K |
| Dental | DELTA DENTAL OF MICHIGAN | 1,065 | $281K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE COMP | 835 | $54K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 524 | $463K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 524 | $463K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 524 | $328K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 917 | $287K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 917 | $287K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 548 | $262K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,065 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.