| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MELISSA ARMATIS3 | 3099 BIDDLE AVENUE WYANDOTTE, MI 48192 | BLUE CARE NETWORK OF MICHIGAN | $52K | — | $52K | 1.15% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MI LLC | 3099 BIDDLE AVE WYANDOTTE, MI 48192 | BLUE CARE NETWORK OF MICHIGAN | — | $4K | $4K | 0.09% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MICHIGAN | 3099 BIDDLE AVE WYANDOTTE, MI 48192 | TOTAL HEALTH CARE USA, INC. | $40K | — | $40K | 3.73% |
| MELISSA ARMATIS3 | 3099 BIDDLE AVE WYANDOTTE, MI 48192 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $15K | — | $15K | 4.06% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MICHIGAN LLC | 3099 BIDDLE AVE WYANDOTTE, MI 48192 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $41K | — | $41K | 15.00% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21031 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 6.66% |
| IMG3 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $83 | $83 | 0.03% |
| AXA ASSISTANCE, USA3 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $13 | $13 | 0.00% |
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 | 450 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 18 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 469 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 566 | $5.6M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 945 | $364K |
| Vision(2 contracts, 2 carriers) | TOTAL HEALTH CARE USA, INC. | 945 | $1.4M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 450 | $273K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 450 | $273K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 450 | $273K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 566 | $5.6M |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 450 | $273K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 945 | — |
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.