| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT CHIESA3 | 5925 MERIDIAN BLVD S-300 BRIGHTON, MI 481168116 | BLUE CARE NETWORK OF MICHIGAN | $31K | — | $31K | 2.54% |
| AFFILIATED AGENCIES LLC3 | 5925 MERIDIAN BLVD S-300 BRIGHTON, MI 481168116 | BLUE CARE NETWORK OF MICHIGAN | — | $6K | $6K | 0.49% |
| ROBERT CHIESA3 Filed as: ROBERT G CHIESA | 4204 MARTIN RD STE A COMMERCE TOWNSHIP, MI 483904135 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $3K | $12K | 6.36% |
| AFFILIATED AGENCIES LLC3 | 5925 MERIDIAN BLVD STE 300 BRIGHTON, MI 481168068 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | — | $9K | 4.82% |
| ROBERT CHIESA3 | 5925 MERIDIAN BLVD S-300 BRIGHTON, MI 481168116 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $1K | — | $1K | 2.29% |
| AFFILIATED AGENCIES LLC3 | 5925 MERIDIAN BLVD S-300 BRIGHTON, MI 481168116 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $151 | $151 | 0.28% |
| CUSTOM BENEFITS INSURANCE GROUP INC3 | 4204 MARTIN ROAD WALLED LAKE, MI 48390 | EYEMED VISION CARE OBO FIDELITY SECURITY LIFE INS CO | $1K | — | $1K | 14.87% |
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 | 228 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 230 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 222 | $1.3M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 178 | $189K |
| Vision | EYEMED VISION CARE OBO FIDELITY SECURITY LIFE INS CO | 230 | $9K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 178 | $189K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 178 | $189K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 178 | $189K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 222 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 230 | — |
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."
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.