| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KIMBERLY ANN KNUE3 | 30150 TELEGRAPH RD STE # 408 BINGHAM FARMS, MI 480255708 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $23K | — | $23K | 4.12% |
| DANIEL WERNER3 | 2465 WENDRICK COURT WEST BLOOMFIELD, MI 483233664 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $8K | — | $8K | 1.37% |
| KIMBERLY ANN KNUE3 | 30150 TELEGRAPH RD STE # 408 BINGHAM FARMS, MI 480255708 | BLUE CARE NETWORK OF MICHIGAN | $10K | — | $10K | 4.64% |
| DANIEL WERNER3 | 2465 WENDRICK COURT WEST BLOOMFIELD, MI 483233664 | BLUE CARE NETWORK OF MICHIGAN | $7K | — | $7K | 3.13% |
| EMPLOYEE NAVIGATOR, LLC0 Filed as: EMPLOYEE HEALTH INSURANCE MANAGEMEN | 26711 NORTHWESTERN HIGHWAY #400 SOUTHFIELD, MI 48033 | EMPLOYEE HEALTH INSURANCE MANAGEMENT INC | — | $5K | $5K | 6.70% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY INC | 150 SAWGRASS DR ROCHESTER, NY 14620 | EMPLOYEE HEALTH INSURANCE MANAGEMENT INC | — | — | $0 | 0.00% |
| WERNER, DANIEL B3 Filed as: WERNER ADVANTAGE | 2465 WENDRICK COURT WEST BLOOMFIELD, MI 48323 | EMPLOYEE HEALTH INSURANCE MANAGEMENT INC | — | — | $0 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS | 2600 S TELEGRAPH RD, STE 100 BLOOMFIELD HILLS, MI 48302 | EMPLOYEE HEALTH INSURANCE MANAGEMENT INC | — | — | $0 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | STARMOUNT LIFE INSURANCE COMPANY | $5K | — | $5K | 7.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | STARMOUNT LIFE INSURANCE COMPANY | — | $569 | $569 | 0.97% |
| WERNER, DANIEL B3 | 2465 WENDRICK COURT WEST BLOOMFIELD, MI 48323 | STARMOUNT LIFE INSURANCE COMPANY | $355 | — | $355 | 0.61% |
| NAPCO INC3 | 30301 NORTHWESTERN HIGHWAY STE 200 FARMINGTON HILLS, MI 48334 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 16.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 12.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $132 | $132 | 1.05% |
| WERNER, DANIEL B3 | 2465 WENDRICK COURT WEST BLOOMFIELD, MI 48323 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $94 | — | $94 | 0.75% |
| NAPCO INC3 | 30301 NORTHWESTERN HIGHWAY STE 200 FARMINGTON HILLS, MI 48334 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $625 | — | $625 | 15.01% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY INC | 150 SAWGRASS DR ROCHESTER, NY 14620 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | — |
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 | 138 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 139 | 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 | 213 | $761K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 138 | $59K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 213 | $550K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 65 | $13K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 0 | $0 |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 0 | $0 |
| Prescription drug | EMPLOYEE HEALTH INSURANCE MANAGEMENT INC | 135 | $72K |
| Other(4 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 65 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 213 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.