| 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 | $24K | $118K | $142K | 7.88% |
| WILSHIRE BENEFITS GROUP INC3 | 901 WILSHIRE DR STE 330 TROY, MI 48084 | BLUE CROSS BLUE SHIELD | — | $29K | $29K | 1.59% |
| WILSHIRE BENEFITS GROUP INC3 | 901 WILSHIRE DR STE 330 TROY, MI 480845611 | UNUM INSURANCE COMPANY | $17K | $6K | $23K | 6.60% |
| WILSHIRE BENEFITS GROUP INC3 Filed as: WILSHIRE BENEFITSGROUP INC | 901 WILSHIRE DR STE 330 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $2K | $8K | 6.56% |
| WILSHIRE BENEFITS GROUP INC3 | 901 WILSHIRE DR STE 330 TROY, MI 480845611 | UNUM INSURANCE COMPANY | $14K | $1K | $16K | 19.67% |
| WILSHIRE BENEFITS GROUP INC3 | 901 WILSHIRE DR STE 330 TROY, MI 480845611 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $1K | $4K | 6.59% |
| WILSHIRE BENEFITS GROUP INC3 | 901 WILSHIRE DR STE 330 TROY, MI 480845611 | UNUM INSURANCE COMPANY | $9K | $947 | $10K | 19.39% |
| STEVEN RAY GRIFFIN3 | STE 1400 2000 MORRIS AVE BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22 | — | $22 | 1.65% |
| WILSHIRE BENEFITS GROUP INC3 | 901 WILSHIRE DR STE 330 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12 | — | $12 | 0.90% |
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 | 1,804 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 45 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,852 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD | 2,454 | $1.8M |
| Dental | BLUE CROSS BLUE SHIELD | 2,454 | $1.8M |
| Vision | BLUE CROSS BLUE SHIELD | 2,454 | $1.8M |
| Life insurance | UNUM INSURANCE COMPANY | 1,843 | $352K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 395 | $120K |
| Prescription drug | BLUE CROSS BLUE SHIELD | 2,454 | $1.8M |
| Other(6 contracts, 3 carriers) | UNUM INSURANCE COMPANY | 1,843 | $586K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,454 | — |
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.