| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNKNOWN3 | UNKNOWN UTICA, MI 48317 | BLUE CARE NETWORK OF MICHIGAN | $16K | — | $16K | 4.17% |
| ASSUREDPARTNERS3 | 42560 VAN DYKE STERLING HEIGHTS, MI 48314 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $3K | — | $3K | 4.37% |
| THE STERLING GROUP INC3 Filed as: THE STERLING GROUP, INC. | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 9.47% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 475 NORTH MARTINGALE ROAD SUITE 950 SCHAUMBURG, IL 60173 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $437 | $437 | 2.51% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP, INC. | 75 NORTH MARTINGALE ROAD, SUITE 950 SCHAUMBURG, IL 60173 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $434 | $434 | 2.49% |
| ASSUREDPARTNERS3 | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | PRINCIPAL LIFE INSURANCE COMPANY | $853 | $186 | $1K | 11.19% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | — | $464 | $464 | 5.00% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, SUITE 200 HUNT VALLEY, MD 21030 | PRINCIPAL LIFE INSURANCE COMPANY | — | $38 | $38 | 0.41% |
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 | 142 | 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) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 44 | $451K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 38 | $17K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 38 | $17K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 142 | $9K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 44 | $451K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 142 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.