| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NAPCO INC3 | 30301 NORTHWESTERN HWY, SUITE 200 FARMINGTON HILLS, MI 48334 | UNUM LIFE INSURANCE COMPANY | $8K | $3K | $11K | 2.56% |
| WILSHIRE BENEFITS GROUP INC Filed as: WILSHIRE BENEFITS GROUP | 901 WILSHIRE DR, STE 330 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY | $392 | $489 | $881 | 0.21% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC | 3000 TOWN CENTER, SUITE 2900 SOUTHFIELD, MI 48075 | LIFE INSURANCE COMPANY OF NORTH AMERICA CIGNA | $7K | — | $7K | 30.00% |
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 | 586 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 586 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Long-term disability | UNUM LIFE INSURANCE COMPANY | 614 | $411K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA CIGNA | 190 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 614 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.