| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSEPH J HANEY3 | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | BLUE CARE NETWORK OF MICHIGAN | $13K | — | $13K | 1.71% |
| THE STERLING GROUP INC3 | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | BLUE CARE NETWORK OF MICHIGAN | — | $1K | $1K | 0.17% |
| JOSEPH J HANEY3 | 42560 VAN DYKE STERLING HTS, MI 48314 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $12K | — | $12K | 2.18% |
| THE STERLING GROUP INC3 | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $810 | $810 | 0.15% |
| THE STERLING GROUP INC3 | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 5.00% |
| STERLING INSURANCE GROUP3 | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 9.90% |
| THE STERLING GROUP INC3 Filed as: THE STERLING GROUP | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 15.06% |
| THE STERLING GROUP INC3 Filed as: THE STERLING GROUP | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $903 | — | $903 | 6.21% |
| GABEL, CHARLES T3 | 19790 MACK AVENUE GROSSE POINTE WOODS, MI 48236 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $63 | — | $63 | 0.43% |
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 | 163 | 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) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 143 | $1.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 141 | $66K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 177 | $16K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 211 | $15K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 43 | $15K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 143 | $1.3M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 211 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
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."
No prospect flags tripped on this filing.