| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MELISSA ARMATIS3 | 3099 BIDDLE AVENUE WYANDOTTE, MI 48192 | BLUE CROSS BLUE SHEILD | $34K | — | $34K | 4.39% |
| RAYMOND SACKETT3 | 8191 MOORSBRIDGE ROAD PORTAGE, MI 49024 | BLUE CROSS BLUE SHEILD | — | $458 | $458 | 0.06% |
| MELISSA ARMATIS3 | 3099 BIDDLE AVENUE WYANDOTTE, MI 48192 | BLUE CARE NETWORK OF MICHIGAN | $15K | — | $15K | 4.34% |
| RAYMOND SACKETT3 | 8191 MOORSBRIDGE ROAD PORTAGE, MI 49024 | BLUE CARE NETWORK OF MICHIGAN | — | $262 | $262 | 0.08% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MICHIGAN LLC | 3099 BIDDLE AVE WYANDOTTE, MI 48192 | AMERITAS | $4K | — | $4K | 3.92% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MICHIGAN LLC | DBA DALY MER 3099 BIDDLE AVENUE WYANDOTTE, MI 48192 | EYE MED | $1K | — | $1K | 10.23% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MI LLC | 3099 BIDDLE AVE WYANDOTTE, MI 48192 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $561 | $2K | 15.22% |
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 | 176 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHEILD | 144 | $1.1M |
| Dental | AMERITAS | 409 | $97K |
| Vision | EYE MED | 365 | $12K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 317 | $11K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHEILD | 144 | $1.1M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 317 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 409 | — |
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.