| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MICHIGAN LLC | 3099 BIDDLE AVENUE WYANDOTTE, MI 48192 | HEALTH ALLIANCE PLAN | $47K | — | $47K | 3.05% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MICHIGAN LLC | 3099 BIDDLE AVENUE WYANDOTTE, MI 48192 | ALLIANCE HEALTH & LIFE INSURANCE PLAN | $5K | — | $5K | 1.42% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL FINANCIAL LIFE INSURANCE COMPANY | $22K | $12K | $34K | 22.96% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MICHIGAN | 3099 BIDDLE AVE WYANDOTTE, MI 48192 | DELTA DENTAL OF MICHIGAN | $9K | — | $9K | 6.94% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DR SUITE 200 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSRUANCE COMPANY | $17K | $9K | $26K | 22.95% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $7K | $18K | 23.42% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $4K | $12K | 23.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MICHIGAN LLC | 3099 BIDDLE AVE WYANDOTTE, MI 48192 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $227 | $14K | 32.58% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 | 27064 OAKMEAD DR PERRYSBURG, OH 43551 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $191 | $14K | 32.49% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MICHIGAN LLC | 3099 BIDDLE AVE WYANDOTTE, MI 48192 | HERITAGE VISION PLANS INC. | $3K | — | $3K | 10.04% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MICHIGAN LLC | 3099 BIDDLE AVE WYANDOTTE, MI 48192 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $185 | $11K | 32.68% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 | 27064 OAKMEAD DR PERRYSBURG, OH 43551 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $149 | $11K | 32.57% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MICHIGAN LLC | 3099 BIDDLE AVE WYANDOTTE, MI 48192 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $178 | $10K | 32.73% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 | 27064 OAKMEAD DR PERRYSBURG, OH 43551 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $142 | $10K | 32.61% |
| DAILY MERRITT, INC.3 Filed as: DAILY MERRITT INSURANCE SERVICES | 3099 BIDDLE AVENUE WYANDOTTE, MI 48192 | ZURICH AMERICAN INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| MULTIPLE BROKERS (SEE APPENDIX)3 Filed as: MULTIPLE BROKERS SEE APPENDIX | 9864 E GRAND RIVER STE 110 #292 BRIGHTON, MI 48116 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 15.44% |
| INTERNATIONAL CHAMBERS GROUP INC4 Filed as: INTERNATIONAL CHAMBERS GROUP INC. | 4211 PEPPERMILL LN BLUE ASH, OH 45242 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | — | $1K | 11.30% |
| ASSUREDPARTNERS4 Filed as: ASSURED PARTNERS OF MI | 3099 BIDDLE AVE WYANDOTTE, MI 48192 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $948 | — | $948 | 8.52% |
| MARY JO NEVILLE4 | 29627 SPOON AVE MADISON HEIGHTS, MI 48071 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $38 | — | $38 | 0.34% |
| PETRILL AND ASSOCIATES LLC4 | 1613 LOOKOUT CIRCLE WAXHAW, NC 28173 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $26 | — | $26 | 0.23% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BASIC BENEFITS FSA AND FMLA TPA | Contract Administrator; Claims processing Service code 12 | PO BOX 88297 MILWAUKEE, WI 53288 | $8K |
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 | 354 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 365 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH ALLIANCE PLAN | 359 | $1.9M |
| Dental | DELTA DENTAL OF MICHIGAN | 290 | $129K |
| Vision | HERITAGE VISION PLANS INC. | 273 | $34K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 354 | $52K |
| Short-term disability | THE LINCOLN NATIONAL FINANCIAL LIFE INSURANCE COMPANY | 353 | $150K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSRUANCE COMPANY | 353 | $115K |
| Other(8 contracts, 5 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 354 | $276K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 359 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.