| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMANDA LYNN FORD3 | 101 W BIG BEAVER RD S600 TROY, MA 48084 | BLUE CROSS BLUE SHIELD | $18K | $105K | $123K | 11.48% |
| WILSHIRE BENEFITS GROUP INC3 | 901 WILSHIRE DR STE 330 TROY, MI 48084 | BLUE CROSS BLUE SHIELD | — | $20K | $20K | 1.87% |
| WILSHIRE BENEFITS GROUP INC3 | 901 WILSHIRE DR STE 330 TROY, MI 480845611 | UNUM INSURANCE COMPANY | $11K | $6K | $17K | 7.50% |
| WILSHIRE BENEFITS GROUP INC3 Filed as: WILSHIRE BENEFITSGROUP INC | 901 WILSHIRE DR STE 330 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $2K | $6K | 7.50% |
| WILSHIRE BENEFITS GROUP INC3 | 901 WILSHIRE DR STE 330 TROY, MI 480845611 | UNUM INSURANCE COMPANY | $9K | $1K | $11K | 20.50% |
| WILSHIRE BENEFITS GROUP INC3 | 901 WILSHIRE DR STE 330 TROY, MI 480845611 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $1K | $3K | 7.50% |
| WILSHIRE BENEFITS GROUP INC3 | 901 WILSHIRE DR STE 330 TROY, MI 480845611 | UNUM INSURANCE COMPANY | $6K | $881 | $7K | 20.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNUM LIFE INSURANCE COMPANY AMERICA EIN 01-0278678 N/A | Contract Administrator Service code 13 | — | $48K |
| WILSHIRE BENEFITS GROUP, INC N/A | Other commissions Service code 55 | 901 WILSHIRE DR STE 330 TROY, MI 48084 | $0 |
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 | 1,906 | 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) | 1,908 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD | 2,433 | $1.1M |
| Dental | BLUE CROSS BLUE SHIELD | 2,433 | $1.1M |
| Vision | BLUE CROSS BLUE SHIELD | 2,433 | $1.1M |
| Life insurance | UNUM INSURANCE COMPANY | 0 | $223K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 412 | $80K |
| Prescription drug | BLUE CROSS BLUE SHIELD | 2,433 | $1.1M |
| Other(5 contracts, 3 carriers) | UNUM INSURANCE COMPANY | 925 | $385K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,433 | — |
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.