| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNKNOWN3 | UNKNOWN ANN ARBOR, MI 48108 | BLUE CARE NETWORK OF MICHIGAN | $29K | $0 | $29K | 2.44% |
| ARMSTRONG, DOYLE & CARROLL, INC.3 Filed as: ARMSTRONG, ROBITAILLE, RIEGLE | 4844 JACKSON ROAD SUITE 204 ANN ARBOR, MI 48103 | DELTA DENTAL OF MICHIGAN | $580 | $0 | $580 | 0.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD 14TH FLOOR ROLLING MEADOWS, IL 60008 | DELTA DENTAL OF MICHIGAN | $146 | $0 | $146 | 0.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 NORTH 4TH AVENUE ANN ARBOR, MI 48104 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $0 | $16K | 18.00% |
| ARMSTRONG, ROBITALLIE, RIEGLE3 | 100 4TH AVENUE ANN ARBOR, MI 48104 | VISION SERVICE PLAN | $700 | $0 | $700 | 3.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 4TH AVENUE ANN ARBOR, MI 48104 | VISION SERVICE PLAN | $414 | $0 | $414 | 2.05% |
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 | 187 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 254 | $1.2M |
| Dental | DELTA DENTAL OF MICHIGAN | 269 | $97K |
| Vision | VISION SERVICE PLAN | 130 | $20K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 199 | $89K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 199 | $89K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 199 | $89K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 254 | $1.2M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 199 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 269 | — |
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.