| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DANIEL H. RYAN3 Filed as: DANIEL H RYAN | 1390 WILLOW PASS ROAD SUITE 800 CONCORD, CA 94520 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $169K | — | $169K | 3.84% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD, SUITE 800 CONCORD, CA 94520 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $5K | $5K | 0.12% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 10877 WHITE ROCK ROAD RANCHO CORDOVA, CA 95670 | DELTA DENTAL OF MICHIGAN | $11K | — | $11K | 3.67% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 135 MAIN ST 21ST FLOOR SAN FRANCISCO, CA 94105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $2K | $11K | 11.40% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 135 MAIN ST 21ST FLOOR SAN FRANCISCO, CA 94105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $1K | $11K | 17.62% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 135 MAIN ST 21ST FLOOR SAN FRANCISCO, CA 94105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $158 | $6K | 15.19% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON ST, 4TH FLOOR NEW YORK, NY 10014 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 3.00% |
| STEVEN RAY GRIFFIN3 Filed as: STEVEN GRIFFIN | 2000 MORRIS AVE., SUITE 1400 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $61 | — | $61 | 0.14% |
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 | 469 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 487 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 779 | $4.4M |
| Dental | DELTA DENTAL OF MICHIGAN | 822 | $310K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 779 | $4.4M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 374 | $157K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 374 | $94K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 374 | $94K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 779 | $4.4M |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 374 | $200K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 822 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.