| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HALL, AMY J3 | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | PRIORITY HEALTH | $70K | — | $70K | 1.54% |
| HALL, AMY J3 | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | PRIORITY HEALTH INSURANCE COMPANY | $67K | — | $67K | 1.50% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 Filed as: ACCRETIVE ENROLLMENT SERVICES | 13750 SAN PEDRO #550 SAN ANTONIO, TX 78232 | SYMETRA LIFE INSURANCE COMPANY | $60K | — | $60K | 2.82% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MICHIGAN LL | 3099 BIDDLE AVE WYANDOTTE, MI 48192 | SYMETRA LIFE INSURANCE COMPANY | $40K | — | $40K | 1.88% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MICHIGAN LLC | 3099 BIDDLE AVE WYANDOTTE, MI 48192 | VISION SERVICE PLAN | $2K | — | $2K | 1.61% |
| SCHILLER & ASSOCIATES LLC4 | 173 COTTAGE LN MILFORD, MI 48381 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $3K | — | $3K | 14.35% |
| ASSUREDPARTNERS4 Filed as: ASSUREDPARTNERS OF MI | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | — | $1K | 5.32% |
| HUB INTERNATIONAL MIDWEST LIMITED4 Filed as: HUB INTERNATIONAL MIDWEST | 55 E JACKSON BLVD CHICAGO, IL 60604 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $109 | — | $109 | 0.45% |
| ACRISURE LLC4 Filed as: ACRISURE GREAT LAKES PARTNERS | 223 W GRAND RIVER AVE STE 1 HOWELL, MI 488432270 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $76 | — | $76 | 0.31% |
| JACQUELINE TURKEY HARKEMA REV TRUST4 Filed as: JACQUELINE HARKEMA | 305 AGOLI LN LOUDON, TN 377742592 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $67 | — | $67 | 0.28% |
| ADAM RICCINTO4 | 722 E CROSS ST YPSILANTI, MI 481983819 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $26 | — | $26 | 0.11% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | COMBINED INSURANCE COMPANY | $13K | — | $13K | 53.96% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MI LLC | 3099 BIDDLE AVE WYANDOTTE, MI 48192 | COMBINED INSURANCE COMPANY | $9K | — | $9K | 38.97% |
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 | 875 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 25 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 904 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PRIORITY HEALTH | 697 | $9.1M |
| Vision | VISION SERVICE PLAN | 643 | $94K |
| Life insurance(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 875 | $2.1M |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 875 | $2.1M |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 875 | $2.1M |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 875 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 875 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.