| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREG LIPOSKY3 | 5435 CORPORATE DRIVE SUITE 210 TROY, MI 48098 | BLUE CARE NETWORK OF MICHIGAN | $32K | — | $32K | 2.99% |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSO LLC | 30600 NORTHWESTERN HIGHWAY SUITE 200 FARMINGTON HILLS, MI 48334 | BLUE CARE NETWORK OF MICHIGAN | — | $1K | $1K | 0.11% |
| GREG LIPOSKY3 | 5435 CORPORATE DRIVE SUITE 210 TROY, MI 48098 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $12K | — | $12K | 2.13% |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSO LLC | 30600 NORTHWESTERN HIGHWAY SUITE 200 FARMINGTON HILLS, MI 48334 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $985 | $985 | 0.18% |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSOCIATE | 27750 STANSBURY SUITE 100 FARMINGTON HILLS, MI 48334 | STARMOUNT LIFE INSURANCE COMPANY | $9K | $1K | $11K | 11.25% |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSOCIATE | 27750 STANSBURY SUITE 100 FARMINGTON HILLS, MI 48334 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $1K | $14K | 16.25% |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSOCIATE | 27750 STANSBURY SUITE 100 FARMINGTON HILLS, MI 48334 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $576 | $7K | 16.25% |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSOCIATE | 27750 STANSBURY SUITE 100 FARMINGTON HILLS, MI 48334 | UNUM INSURANCE COMPANY | $2K | $202 | $2K | 21.39% |
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 | 149 | 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) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 272 | $1.6M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 126 | $95K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 272 | $545K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 147 | $131K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 147 | $85K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 147 | $85K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 272 | $1.6M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 147 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
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.