| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT A KELLEHER3 Filed as: ROBERT A. WILSON | 2250 BUTTERFIELD DRIVE, SUITE 210 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $37K | $0 | $37K | 2.19% |
| JOHN N ARMINIO3 Filed as: JOHN ARMINO | 3715 NORTHSIDE PARKWAY, SUITE 1-500 ATLANTA, GA 30327 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $13K | $0 | $13K | 0.78% |
| WILSON PARTNERS II, LLC3 | 2150 BUTTERFIELD DRIVE, SUITE 210 TROY, MI 48084 | PRINCIPAL LIFE INSURANCE COMPANY | $17K | $0 | $17K | 12.72% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 4401 NORTHSIDE PARKWAY NW SUITE 800 ATLANTA, GA 30327 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 3.42% |
| WILSON PARTNERS II, LLC3 | 2250 BUTTERFIELD DRIVE TROY, MI 48084 | DELTA DENTAL OF MICHIGAN | $4K | $0 | $4K | 3.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 309 WEBSTER STREET DAYTON, OH 45402 | DELTA DENTAL OF MICHIGAN | $858 | $0 | $858 | 0.73% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 101 HUNTINGTON AVENUE, SUITE 401 BOSTON, MA 02199 | DELTA DENTAL OF MICHIGAN | $468 | $0 | $468 | 0.40% |
| WILSON PARTNERS II, LLC3 | 2250 BUTTERFIELD DRIVE, SUITE 210 TROY, MI 48084 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $3K | $0 | $3K | 9.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 4401 NORTHSIDE PARKWAY NW SUITE 800 ATLANTA, GA 30327 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $727 | $0 | $727 | 2.50% |
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 | 154 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 433 | $1.7M |
| Dental | DELTA DENTAL OF MICHIGAN | 469 | $118K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 412 | $29K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 371 | $137K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 371 | $137K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 371 | $137K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 433 | $1.7M |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 371 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 469 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.