| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCOTT SETTLE3 | 4000 TOWN CENTER DRIVE, SUITE 8 SOUTHFIELD, MI 48075 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $98K | $0 | $98K | 1.38% |
| LISA BOURDAGE3 | 4000 TOWN CENTER, SUITE 800 SOUTHFIELD, MI 48075 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $18K | $0 | $18K | 0.25% |
| USI INSURANCE SERVICES LLC3 | 2600 WEST BIG BEAVER ROAD SUITE 1 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $4K | $4K | 0.05% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $66K | $66K | 7.02% |
| USI INSURANCE SERVICES LLC3 | 2600 WEST BIG BEAVER ROAD SUITE 140 TROY, MI 48084 | RELIASTAR LIFE INSURANCE COMPANY | $38K | $0 | $38K | 4.02% |
| USI INSURANCE SERVICES LLC3 | 1 HILLCREST DRIVE EAST CHARLESTON, WV 25311 | DELTA DENTAL OF MICHIGAN | $8K | $0 | $8K | 1.37% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DRIVE ADRIAN, MI 49221 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $66K | $0 | $66K | 20.00% |
| JERRY MANNING3 | 167 NORTH GREEN STREET CHICAGO, IL 60607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $40K | $0 | $40K | 22.43% |
| USI INSURANCE SERVICES LLC3 | 333 BRIDGE STREET NW, SUITE 400 GRAND RAPIDS, MI 49504 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $24K | $0 | $24K | 13.46% |
| LTCI PARTNERS LLC3 Filed as: LTCI PARTNERS, LLC | 2189 NORTH ILLINOIS ROUTE 83 SUITE 110 ROUND LAKE BEACH, IL 60073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16K | $0 | $16K | 8.97% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $640 | $640 | 2.09% |
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 | 723 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 14 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 748 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,225 | $7.1M |
| Dental | DELTA DENTAL OF MICHIGAN | 1,392 | $548K |
| Vision | VISION SERVICE PLAN | 499 | $143K |
| Life insurance(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 1,244 | $1.1M |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,244 | $940K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,225 | $7.1M |
| Other(5 contracts, 5 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 1,673 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,673 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.