| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL R BULGARELLI3 Filed as: MICHAEL BULGARELLI | 29100 NORTHWESTERN #240 SOUTHFIELD, MI 480341089 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $20K | $709 | $21K | 3.36% |
| MICHAEL KYLE3 | 29065 CABOT DR SUITE 100 NOVI, MI 483778377 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $4K | — | $4K | 0.67% |
| VANESSA L VOWLES3 | PO BOX 948 HENRIETTA, NY 144874487 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $3K | — | $3K | 0.52% |
| MICHAEL R BULGARELLI3 Filed as: MICHAEL BULGARELLI | 29100 NORTHWESTERN #240 SOUTHFIELD, MI 480341089 | BLUE CARE NETWORK OF MICHIGAN | $11K | $433 | $11K | 3.26% |
| MICHAEL KYLE3 | 29065 CABOT DR SUITE 100 NOVI, MI 483778377 | BLUE CARE NETWORK OF MICHIGAN | $2K | — | $2K | 0.67% |
| VANESSA L VOWLES3 | PO BOX 948 HENRIETTA, NY 144874487 | BLUE CARE NETWORK OF MICHIGAN | $1K | — | $1K | 0.33% |
| ACTION BENEFITS COMPANY3 | 26533 EVERGREEN ROAD, SUITE 400 SOUTHFIELD, MI 480768076 | BLUE CARE NETWORK OF MICHIGAN | $1K | — | $1K | 0.31% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY INC | 150 SAWGRASS DR ROCHESTER, NY 14620 | STARMOUNT LIFE INSURANCE COMPANY | $4K | $2K | $6K | 8.82% |
| COSTAFF BENEFIT SERVICES INC3 | 26555 EVERGREEN SUITE 1070 SOUTHFIELD, MI 48089 | STARMOUNT LIFE INSURANCE COMPANY | $2K | — | $2K | 3.95% |
| EMPLOYEE NAVIGATOR, LLC0 Filed as: EMPLOYEE HEALTH INSURANCE MANAGEMEN | 26711 NORTHWESTERN HIGHWAY #400 SOUTHFIELD, MI 48033 | EMPLOYEE HEALTH INSURANCE MANAGEMENT INC | — | $6K | $6K | 11.13% |
| COSTAFF BENEFIT SERVICES INC3 | 26555 EVERGREEN SOUTHFIELD, MI 48076 | EMPLOYEE HEALTH INSURANCE MANAGEMENT INC | $903 | — | $903 | 1.73% |
| DAN WERNER3 | 2465 WENDRICK COURT WEST BLOOMFIELD, MI 48323 | EMPLOYEE HEALTH INSURANCE MANAGEMENT INC | $381 | — | $381 | 0.73% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY INC | 150 SAWGRASS DR ROCHESTER, NY 14620 | EMPLOYEE HEALTH INSURANCE MANAGEMENT INC | $29 | — | $29 | 0.06% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY INC | 150 SAWGRASS DR ROCHESTER, NY 14620 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $418 | $1K | 6.32% |
| COSTAFF BENEFIT SERVICES INC3 | 26555 EVERGREEN SUITE 1070 SOUTHFIELD, MI 48089 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 5.57% |
| COSTAFF BENEFIT SERVICES INC3 | 26555 EVERGREEN SUITE 1070 SOUTHFIELD, MI 48089 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 9.16% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY INC | 150 SAWGRASS DR ROCHESTER, NY 14620 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $485 | — | $485 | 2.58% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY INC | 150 SAWGRASS DR ROCHESTER, NY 14620 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $699 | $233 | $932 | 6.61% |
| COSTAFF BENEFIT SERVICES INC3 | 26555 EVERGREEN SUITE 1070 SOUTHFIELD, MI 48089 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $863 | — | $863 | 6.12% |
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 | 171 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 204 | $968K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 156 | $63K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 204 | $626K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 171 | $37K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 171 | $23K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 171 | $23K |
| Prescription drug | EMPLOYEE HEALTH INSURANCE MANAGEMENT INC | 152 | $52K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 171 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 204 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.