| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT CHIESA3 | 5925 MERIDIAN BLVD SUITE 300 BRIGHTON, MI 481168116 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $35K | — | $35K | 2.14% |
| AFFILIATED AGENCIES LLC3 | 16401 E 9 MILE ROAD EASTPOINTE, MI 480218021 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $7K | $7K | 0.41% |
| AFFILIATED AGENCIES LLC3 | 5925 MERIDIAN BLVD SUITE 300 BRIGHTON, MI 48116 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $30K | — | $30K | 12.08% |
| AFFLILITATED AGENCIES LLC3 | 5925 MERIDIAN BLVD SUITE 300 BRIGHTON, MI 48116 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $0 | $10K | 13.63% |
| ROBERT CHIESA3 Filed as: ROBERT G CHIESA | 4204 MARTIN ROAD SUITE A COMMERCE TOWNSHIP, MI 48390 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $1K | $2K | 3.32% |
| CUSTOM BENEFITS INSURANCE GROUP INC3 | 4204 MARTIN ROAD WALLED LAKE, MI 48390 | EYEMED | $4K | — | $4K | 17.85% |
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 | 184 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 38 | $1.6M |
| Dental(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 185 | $321K |
| Vision | EYEMED | 440 | $23K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 185 | $321K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 185 | $321K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 185 | $321K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 38 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 440 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.