| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMY J HALL3 Filed as: AMY J. HALL | 423 NORTH MAIN STREET ROYAL OAK, MI 48067 | BLUE CARE NETWORK OF MICHIGAN | $43K | $0 | $43K | 4.59% |
| ASSUREDPARTNERS3 | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | BLUE CARE NETWORK OF MICHIGAN | $0 | $979 | $979 | 0.10% |
| AMY J HALL3 Filed as: AMY J. HALL | 423 NORTH MAIN STREET ROYAL OAK, MI 48067 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $11K | $0 | $11K | 5.22% |
| ASSUREDPARTNERS3 | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $91 | $91 | 0.04% |
| ASSUREDPARTNERS3 | 3099 BIDDLE AVENUE WYANDOTTE, MI 48192 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | $4K | $21K | 18.00% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $6K | $6K | 5.00% |
| ASSUREDPARTNERS3 | 25900 WEST ELEVEN MILE ROAD SUITE 210 SOUTHFIELD, MI 48034 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $228 | $5K | 7.69% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 4.12% |
| ASSUREDPARTNERS3 | 25900 WEST ELEVEN MILE ROAD SUITE 210 SOUTHFIELD, MI 48034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 14.76% |
| SCHILLER & ASSOCIATES LLC4 Filed as: SCHILLER AND ASSOCIATES, LLC | 173 COTTAGE LANE MILFORD, MI 48381 | PRE-PAID LEGAL SERVICES DBA LEGALSHIELD | $433 | $0 | $433 | 13.36% |
| ASSUREDPARTNERS4 | 25900 WEST ELEVEN MILE ROAD SUITE 210 SOUTHFIELD, MI 48034 | PRE-PAID LEGAL SERVICES DBA LEGALSHIELD | $126 | $0 | $126 | 3.89% |
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 | 135 | 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) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 132 | $1.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 103 | $67K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 103 | $67K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 135 | $119K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 135 | $119K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 135 | $119K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 132 | $1.1M |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 135 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.