| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MELISSA ARMATIS3 | 3099 BIDDLE AVENUE WYANDOTTE, MI 48192 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $91K | — | $91K | 2.39% |
| STEVEN HARDIN3 | 901 WILSHIRE DR SUITE 330 TROY, MN 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $20K | — | $20K | 0.51% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MI LLC | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MA 48313 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $4K | $4K | 0.10% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH | 325 N KIRKWOOD RD 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 5.65% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MI LLC | 3099 BIDDLE AVE WYANDOTTE, MI 48192 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 4.93% |
| 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 | — | $3K | $3K | 3.60% |
| WILSHIRE BENEFITS GROUP INC3 Filed as: WILSHIRE BENEFITS GROUP | 901 WILSHIRE DR SUITE 330 TROY, MI 48084 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $217 | — | $217 | 0.28% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF PENNSYLVANIA LLC | 1301 GRANDVIEW AVE SUITE 400 PITTSBURGH, PA 15211 | UPMC HEALTH OPTIONS | $1K | — | $1K | 2.78% |
| WILSHIRE BENEFITS GROUP INC3 Filed as: WILSHIRE BENEFITS GROUP | 901 WILSHIRE DR SUITE 330 TROY, MI 48084 | UPMC HEALTH OPTIONS | $116 | — | $116 | 0.23% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MICHIGAN LLC | 3099 BIDDLE AVE WYANDOTTE, MI 48192 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 9.24% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH | 325 N KIRKWOOD RD SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 4.49% |
| WILSHIRE BENEFITS GROUP INC3 Filed as: WILSHIRE BENEFITS GROUP | 901 WILSHIRE DR SUITE 330 TROY, MP 48084 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.23% |
| 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 | — | $2K | $2K | 3.59% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MICHIGAN LLC | 3099 BIDDLE AVE WYANDOTTE, MI 48192 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 5.93% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESERACH | 325 N KIRKWOOD RD SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 4.63% |
| ASSUREDPARTNERS3 Filed as: AP BENEFITS ADVISTORS LLC | 10 NORTH PARK DR #200 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $836 | $836 | 3.61% |
| WILSHIRE BENEFITS GROUP INC3 Filed as: WILSHIRE BENEFITS GROUP | 901 WILSHIRE DR SUITE 330 TROY, MI 48084 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $394 | — | $394 | 1.70% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MICHIGAN LLC | 3099 BIDDLE AVE WYANDOTTE, MI 48192 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $467 | — | $467 | 8.65% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH | 325 N KIRKWOOD RD SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $233 | $233 | 4.32% |
| WILSHIRE BENEFITS GROUP INC3 Filed as: WILSHIRE BENEFITS GROUP | 901 WILSHIRE DR SUITE 330 TROY, MI 48084 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $231 | — | $231 | 4.28% |
| 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 | — | $193 | $193 | 3.58% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF PENNSYLVANIA LLC | 1301 GRANDVIEW AVE SUITE 400 PITTSBURGH, PA 15211 | UPMC HEALTH BENEFITS | $195 | — | $195 | 8.97% |
| WILSHIRE BENEFITS GROUP INC3 Filed as: WILSHIRE BENEFITS GROUP | 901 WILSHIRE DR SUITE 330 TROY, MI 48084 | UPMC HEALTH BENEFITS | $33 | — | $33 | 1.52% |
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 | 479 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 482 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 506 | $3.9M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 506 | $3.8M |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 506 | $3.8M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 479 | $23K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 479 | $77K |
| Prescription drug(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 506 | $3.9M |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 479 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 506 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.