| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STERLING INSURANCE GROUP3 | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | UNICARE LIFE & HEALTH INSURANCE COMPANY | $28K | — | $28K | 1.96% |
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 | 61,247 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 76,794 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 138,041 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNICARE LIFE & HEALTH INSURANCE COMPANY | 138,041 | $131.7M |
| Short-term disability | UNICARE LIFE & HEALTH INSURANCE COMPANY | 138,041 | $105.3M |
| Other(2 contracts) | UNICARE LIFE & HEALTH INSURANCE COMPANY | 138,041 | $106.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 138,041 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.