| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARK C NIXON3 Filed as: MARK E KRAMER | 901 WILSHIRE DR STE 330 TROY, MI 480845611 | BLUE CROSS BLUE SHIELD | $23K | $62K | $85K | 0.58% |
| ANGELA R MITCHELL3 | 901 WILSHIRE DR STE 330 TROY, MI 48084 | BLUE CROSS BLUE SHIELD | $10K | — | $10K | 0.07% |
| WILSHIRE BENEFITS GROUP INC3 | 901 WILSHIRE DRIVE STE 330 TROY, MI 480845611 | BLUE CROSS BLUE SHIELD | — | $9K | $9K | 0.06% |
| DEVON J DOBRIN3 | 901 WILSHIRE DR STE 330 TROY, MI 48084 | BLUE CROSS BLUE SHIELD | $3K | — | $3K | 0.02% |
| WILSHIRE BENEFITS GROUP INC3 Filed as: WILSHIRE BENEFITSGROUP INC | 901 WILSHIRE DR STE 330 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $4K | $13K | 4.56% |
| GRIFFIN, STEVEN, RAY3 | STE 1400 2000 MORRIS AVE BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | $1K | $18K | 7.72% |
| WILSHIRE BENEFITS GROUP INC3 Filed as: WILSHIRE BENEFITS GROUP | 901 WILSHIRE DR STE 330 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 3.43% |
| GRIFFIN, STEVEN, RAY3 Filed as: GRIFFIN, STEVE, RAY | STE 1400 2000 MORRIS AVE BIRMINGHAM, AL 35203 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $11K | $1K | $12K | 21.58% |
| WILSHIRE BENEFITS GROUP INC3 Filed as: WILSHIRE BENEFITS GROUP | 901 WILSHIRE DR STE 330 TROY, MI 48084 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 8.86% |
No Schedule C service providers reported on this filing.
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 | 997 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 999 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD | 906 | $14.7M |
| Dental | BLUE CROSS BLUE SHIELD | 906 | $14.7M |
| Vision | BLUE CROSS BLUE SHIELD | 906 | $14.7M |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,000 | $341K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,000 | $286K |
| Prescription drug | BLUE CROSS BLUE SHIELD | 906 | $14.7M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,000 | $532K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,000 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.