| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIEDEN CONSULTING GROUP1 | 17000 KERCHEVAL SUITE 210 GROSSE POINTE, MI 48230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $36K | — | $36K | 13.55% |
| BRIEDEN CONSULTING GROUP4 | 17000 KERCHEVAL SUITE 210 GROSSE POINTE, MI 48230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 5.00% |
| BRIEDEN CONSULTING GROUP1 | 17000 KERCHEVAL SUITE 210 GROSSE POINTE, MI 48230 | STARMONT LIFE INSURANCE COMPANY | $3K | — | $3K | 6.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TRUSTMARK HEALTH BENEFITS, INC. EIN 35-1846036 | Claims processing; Plan Administrator; Other services Service code 12 | — | $312K |
| BRIEDEN CONSULTANT GROUP EIN 46-2027546 | Insurance agents and brokers; Consulting (general) Service code 16 | — | $81K |
| COFINITY EIN 20-1274723 | Other services; Claims processing Service code 12 | — | $66K |
| MULTIPLAN, INC EIN 13-3068979 | Claims processing; Other services; Plan Administrator Service code 12 | — | $21K |
| FIRST HEALTH EIN 20-1736437 | Other services; Claims processing Service code 12 | — | $13K |
| HEALTHCARE BLUEBOOK EIN 46-4399706 | Plan Administrator; Claims processing; Other services Service code 12 | — | $12K |
| CHANGE HEALTHCARE EIN 20-5716594 | Other services; Claims processing Service code 12 | — | $9K |
| TELADOC EIN 04-3705970 | Other services; Claims processing; Plan Administrator Service code 12 | — | $7K |
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 | 652 | 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) | 652 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMONT LIFE INSURANCE COMPANY | 48 | $51K |
| Vision | HERITAGE VISION PLANS INC. | 1,065 | $55K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 837 | $402K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 837 | $263K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE CO. | 652 | $910K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 837 | $402K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,065 | — |
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.