| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MELISSA ARMATIS3 | 3099 BIDDLE AVENUE WYANDOTTE, MI 48192 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $52K | — | $52K | 3.10% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MI, LLC | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $2K | $2K | 0.11% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MICHIGAN LLC | 3099 BIDDLE AVENUE WYANDOTTE, MI 48192 | BLUE CROSS BLUE SHIELD OF GEORGIA, INC. | $12K | — | $12K | 2.90% |
| MELISSA ARMATIS3 Filed as: MELISSA ARAMATIS | 3099 BIDDLE AVE WYANDOTTE, MI 48192 | BLUE CARE NETWORK OF MICHIGAN | $8K | — | $8K | 2.73% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MI, LLC. | 13900 LAKESIDE CIRCLE WYANDOTTE, MI 48313 | BLUE CARE NETWORK OF MICHIGAN | — | $342 | $342 | 0.11% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF PENNSYLVANIA LLC | 1301 GRANDVIEW AVE SUITE 400 PITTSBURGH, PA 15211 | UPMC HEALTH OPTIONS | $2K | — | $2K | 3.10% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MICHIGAN LLC | 3099 BIDDLE AVE WYANDOTTE, MI 48192 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 13.19% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS, LLC. | 10 NORTH PARK DR #200 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 3.73% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 200 INTERNATIONAL CIR #4500 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $862 | $862 | 2.28% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MICHIGAN LLC | 3099 BIDDLE AVE WYANDOTTE, MI 48192 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 16.19% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DR #200 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 3.76% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 200 INTERNATIONAL CIR #4500 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $670 | $670 | 2.04% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF PA, LLC. | 1301 GRANDVIEW AVE. #400 PITTSBURGH, PA 15211 | UPMC HEALTH OPTIONS | $520 | — | $520 | 3.34% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MICHIGAN LLC | 3099 BIDDLE AVE WYANDOTTE, MI 48192 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 12.16% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS, LLC. | 10 NORTH PARK DR #200 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $526 | $526 | 3.74% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 200 INTERNATIONAL CIR #4500 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $331 | $331 | 2.35% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MICHIGAN LLC | 3099 BIDDLE AVE WYANDOTTE, MI 48192 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 21.86% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS, LLC. | 10 NORTH PARK DR #200 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $376 | $376 | 3.73% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 200 INTERNATIONAL CIR #4500 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $299 | $299 | 2.96% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF PENNSYLVANIA LLC | 1301 GRANDVIEW AVE SUITE 400 PITTSBURGH, PA 15211 | UPMC HEALTH OPTIONS | $253 | — | $253 | 2.57% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF PA, LLC | 1301 GRANDVIEW AVE #400 PITTSBURGH, PA 15211 | UPMC HEALTH OPTIONS | $247 | — | $247 | 3.38% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MICHIGAN LLC | 3099 BIDDLE AVE WYANDOTTE, MI 48192 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $587 | — | $587 | 15.01% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS, LLC. | 10 NORTH PARK DR #200 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $146 | $146 | 3.73% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 200 INTERNATIONAL CIR #4500 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $76 | $76 | 1.94% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF PENNSYLVANIA LLC | 1301 GRANDVIEW AVE SUITE 400 PITTSBURGH, PA 15211 | UPMC HEALTH BENEFITS | $258 | — | $258 | 10.36% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF PA, LLC. | 1301 GRANDVIEW AVE. #400 PITTSBURGH, PA 15211 | UPMC HEALTH BENEFITS | $87 | — | $87 | 10.79% |
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 | 298 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 308 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 5 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 316 | $2.5M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 316 | $2.1M |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 316 | $2.1M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 298 | $14K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 19 | $10K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 252 | $38K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 316 | $2.0M |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 298 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 316 | — |
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.