| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSOCIATES | 30600 NORTHWESTERN HWY SUITE 200 FARMINGTON HILLS, MI 48334 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $63K | $7K | $69K | 11.38% |
| INSURANCE CONSULTING ASSOCIATES LLC3 | 30600 NORTHWESTERN HWY STE 200 FARMINGTON HILLS, MI 48334 | DELTA DENTAL OF MICHIGAN | $40K | — | $40K | 7.69% |
| FRANK J MAYER3 | 30600 NORTHWESTERN HWY SUITE 200 FARMINGTON HILLS, MI 48334 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $16K | $43K | $60K | 13.34% |
| INSURANCE CONSULTING ASSOCIATES LLC3 | 30600 NORTHWESTERN HWY STE 200 FARMINGTON HILLS, MI 48334 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $7K | $7K | 1.47% |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSOCIATES | 30600 NORTHWESTERN HWY SUITE 200 FARMINGTON HILLS, MI 48334 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $43K | $3K | $47K | 16.12% |
| INSURANCE CONSULTING ASSOCIATES LLC3 | 30600 NORTHWESTERN HWY SUITE 200 FARMINGTON HILLS, MI 48334 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $46K | — | $46K | 16.12% |
| CORNERSTONE BENEFITS LLC3 | 1450 W LONG LAKE SUITE 250 TROY, MI 48098 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 3.55% |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSOCIATE | 30600 NORTHWESTERN HWY SUITE 200 FARMINGTON HILLS, MI 48334 | STARMOUNT LIFE INSURANCE COMPANY | $11K | $1K | $12K | 13.12% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 TPA | Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Insurance services; Float revenue; Claims processing; Contract Administrator; Other fees; Direct payment from the plan Service code 12 | — | $688K |
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 | 922 | 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) | 922 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,478 | $447K |
| Dental | DELTA DENTAL OF MICHIGAN | 1,710 | $518K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 695 | $92K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 932 | $898K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 932 | $898K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 932 | $610K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,478 | $447K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,478 | $447K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,009 | $571K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,710 | — |
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.