| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEADOWBROOK INC3 | 26255 AMERICAN DR SOUTHFIELD, MI 48034 | DELTA DENTAL OF MICHIGAN | $5K | — | $5K | 4.74% |
| MEADOWBROOK INC3 | 16142 COLLECTION CTR DR CHICAGO, IL 60693 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $860 | $8K | 16.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, IN | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $94 | $2K | 17.25% |
| MEADOWBROOK INC3 Filed as: MEADOWBROOK INC. | 16142 COLLECTION CTR DR CHICAGO, IL 60693 | STARMOUNT LIFE INSURANCE COMPANY | $2K | $147 | $2K | 27.97% |
| PAYCHEX INSURANCE AGENCY, INC.3 | 150 SAWGRASS DR ROCHESTER, NY 14620 | STARMOUNT LIFE INSURANCE COMPANY | -$25 | -$12 | -$37 | -0.44% |
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 | 164 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 294 | $1.3M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF MICHIGAN | 254 | $110K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 181 | $8K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 181 | $20K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 70 | $46K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 70 | $46K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 294 | $1.3M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 181 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 294 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.