| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRANK J MAYER3 | 27750 STANSBURY #100 FARMINGTON HILLS, MI 48334 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $13K | $43K | $56K | 15.32% |
| INSURANCE CONSULTING ASSOCIATES LLC3 | 30600 NORTHWESTERN HWY STE 200 FARMINGTON HILLS, MI 48334 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $5K | $5K | 1.46% |
| CORNERSTONE BENEFITS LLC3 | 1450 W LONG LAKE, STE 250 TROY, MI 48098 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $28K | — | $28K | 7.97% |
| ICA3 | 27750 STANSBURY, SUITE 100 FARMINGTON HILLS, MI 48334 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $805 | $8K | 2.29% |
| CORNERSTONE BENEFITS LLC3 Filed as: CORNERSTONE BENEFITS-FRANK MAYER | 5435 CORPORATE DR STE 220 TROY, MI 48098 | DELTA DENTAL OF MICHIGAN | $22K | — | $22K | 7.14% |
| CORNERSTONE BENEFITS LLC3 | 1450 W LONG LAKE SUITE 250 TROY, MI 48098 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $44K | — | $44K | 18.22% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR LLC | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 2.77% |
| INSURANCE CONSULTING ASSOCIATES LLC3 | 27750 STANSBURY SUITE 100 FARMINGTON HILLS, MI 48334 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $60 | — | $60 | 0.02% |
| CORNERSTONE BENEFITS LLC3 | 1450 W. LONG LAKE, STE 250 TROY, MI 48098 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 11.08% |
| ICA3 | 27750 STANSBURY, SUITE 100 FARMINGTON HILLS, MI 48334 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $337 | $4K | 2.82% |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSOCIATE | 27750 STANSBURY SUITE 100 FARMINGTON HILLS, MI 48334 | STARMOUNT LIFE INSURANCE COMPANY | $6K | $1K | $8K | 13.21% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 TPA | Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Insurance services; Direct payment from the plan; Other fees; Contract Administrator; Claims processing Service code 12 | — | $433K |
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 | 639 | 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) | 639 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,024 | $366K |
| Dental | DELTA DENTAL OF MICHIGAN | 1,172 | $310K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 462 | $59K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 639 | $503K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 639 | $503K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 639 | $347K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,024 | $366K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,024 | $366K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 638 | $395K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,172 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.