| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREG LIPOSKY3 | 27750 STANSBURY #100 FARMINGTON HILLS, MI 48334 | BLUE CARE NETWORK OF MICHIGAN | $28K | — | $28K | 2.88% |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSO LLC | 27750 STANSBURY BOULEVARD SUITE 100 FARMINGTON HILLS, MI 48334 | BLUE CARE NETWORK OF MICHIGAN | — | $956 | $956 | 0.10% |
| GREG LIPOSKY3 | 27750 STANSBURY #100 FARMINGTON HILLS, MI 48334 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $12K | — | $12K | 3.04% |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSO LLC | 27750 STANSBURY BOULEVARD SUITE 100 FARMINGTON HILLS, MI 48334 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $564 | $564 | 0.14% |
| ICA3 | 27750 STANSBURY SUITE 100 FARMINGTON HILLS, MI 48334 | STARMOUNT LIFE INSURANCE COMPANY | $11K | $3K | $14K | 12.50% |
| ICA3 | 27750 STANSBURY SUITE 100 FARMINGTON HILLS, MI 48334 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $2K | $17K | 17.50% |
| ICA3 | 27750 STANSBURY SUITE 100 FARMINGTON HILLS, MI 48334 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $1K | $9K | 17.92% |
| ICA3 | 27750 STANSBURY SUITE 100 FARMINGTON HILLS, MI 48334 | UNUM INSURANCE COMPANY | $1K | $181 | $1K | 12.92% |
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 | 155 | 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) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 307 | $1.4M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 129 | $108K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 307 | $402K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 166 | $143K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 166 | $95K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 166 | $95K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 307 | $1.4M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 166 | $153K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 307 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.