| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VANESSA L VOWLES3 | PO BOX 948 HENRIETTA, NY 144874487 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $13K | — | $13K | 2.16% |
| KIMBERLY ANN KNUE3 | 30150 TELEGRAPH RD STE # 408 BINGHAM FARMS, MI 480255708 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $2K | — | $2K | 0.34% |
| DANIEL WERNER3 | 2465 WENDRICK COURT WEST BLOOMFIELD, MI 483233664 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $647 | — | $647 | 0.10% |
| MICHAEL R BULGARELLI3 Filed as: MICHAEL BULGARELLI | 29110 NORTHWESTERN HWY #240 SOUTHFIELD, MI 480348034 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $374 | $374 | 0.06% |
| MICHAEL KYLE3 | 29065 CABOT DR SUITE 100 NOVI, MI 483778377 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $17 | — | $17 | 0.00% |
| VANESSA L VOWLES3 | PO BOX 948 HENRIETTA, NY 144874487 | BLUE CARE NETWORK OF MICHIGAN | $7K | — | $7K | 2.08% |
| KIMBERLY ANN KNUE3 | 30150 TELEGRAPH RD STE # 408 BINGHAM FARMS, MI 480255708 | BLUE CARE NETWORK OF MICHIGAN | $1K | — | $1K | 0.30% |
| DANIEL WERNER3 | 2465 WENDRICK COURT WEST BLOOMFIELD, MI 483233664 | BLUE CARE NETWORK OF MICHIGAN | $622 | — | $622 | 0.18% |
| MICHAEL R BULGARELLI3 Filed as: MICHAEL BULGARELLI | 29110 NORTHWESTERN HWY #240 SOUTHFIELD, MI 480348034 | BLUE CARE NETWORK OF MICHIGAN | — | $250 | $250 | 0.07% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY INC | 150 SAWGRASS DR ROCHESTER, NY 14620 | STARMOUNT LIFE INSURANCE COMPANY | $6K | $2K | $8K | 13.20% |
| EMPLOYEE NAVIGATOR, LLC0 Filed as: EMPLOYEE HEALTH INSURANCE MANAGEMEN | 26711 NORTHWESTERN HIGHWAY #400 SOUTHFIELD, MI 48033 | EMPLOYEE HEALTH INSURANCE MANAGEMENT INC | — | $7K | $7K | 11.56% |
| WERNER, DANIEL B3 Filed as: WERNER ADVANTAGE | 2465 WENDRICK COURT WEST BLOOMFIELD, MI 48323 | EMPLOYEE HEALTH INSURANCE MANAGEMENT INC | $760 | — | $760 | 1.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS | 2600 S TELEGRAPH RD, STE 100 BLOOMFIELD HILLS, MI 48302 | EMPLOYEE HEALTH INSURANCE MANAGEMENT INC | $401 | — | $401 | 0.70% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY INC | 150 SAWGRASS DR ROCHESTER, NY 14620 | EMPLOYEE HEALTH INSURANCE MANAGEMENT INC | $307 | — | $307 | 0.54% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY INC | 150 SAWGRASS DR ROCHESTER, NY 14620 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $2K | $6K | 18.52% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY INC | 150 SAWGRASS DR ROCHESTER, NY 14620 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $773 | $3K | 21.76% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY INC | 150 SAWGRASS DR ROCHESTER, NY 14620 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 11.53% |
| NAPCO INC3 | 30301 NORTHWESTERN HIGHWAY STE 200 FARMINGTON HILLS, MI 48334 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $463 | — | $463 | 3.65% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY INC | 150 SAWGRASS DR ROCHESTER, NY 14620 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 15.02% |
| NAPCO INC3 | 30301 NORTHWESTERN HIGHWAY STE 200 FARMINGTON HILLS, MI 48334 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18 | — | $18 | 0.16% |
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 | 152 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 154 | 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 | 184 | $954K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 129 | $61K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 184 | $617K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 152 | $48K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 152 | $33K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 152 | $33K |
| Prescription drug | EMPLOYEE HEALTH INSURANCE MANAGEMENT INC | 99 | $57K |
| Other(4 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 152 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.