| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMY J HALL3 | 25900 W.11 MILE RD STE 210 SOUTHFIELD, MI 480348034 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $40K | — | $40K | 1.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGCY LLC DB | 3331 W BIG BEAVER RD STE 200 TROY, MI 480848084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $2K | $2K | 0.05% |
| J.S. CLARK AGENCY, INC.3 Filed as: J.S. CLARK AGENCY DBA OF ASSUR | 25900 W 11 MILE RD STE 210 SOUTHFIELD, MI 48034 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $154 | $154 | 0.00% |
| AMY J HALL3 | 25900 W.11 MILE RD STE 210 SOUTHFIELD, MI 48034 | BLUE CARE NETWORK OF MICHIGAN | $8K | — | $8K | 1.33% |
| REBECCA A MCLAUGHLAN3 Filed as: REBECCA A MCLAUGHLIN | 3331 W. BIG BEAVER RD., SUITE 200 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $4K | — | $4K | 0.65% |
| WILLIAM J JR ROBY3 | PO BOX 436869 LOUISVILLE, MI 40253 | BLUE CARE NETWORK OF MICHIGAN | $4K | — | $4K | 0.58% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGCY LLC DB | 3331 W. BIG BEAVER RD., SUITE 200 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | — | $314 | $314 | 0.05% |
| J.S. CLARK AGENCY, INC.3 Filed as: J.S. CLARK AGENCY DBA OF ASSUR | 25900 W 11 MILE RD., STE 210 SOUTHFIELD, MI 48034 | BLUE CARE NETWORK OF MICHIGAN | — | $26 | $26 | 0.00% |
| J.S. CLARK AGENCY, INC.3 Filed as: J.S. CLARK AGENCY, INC | 25900 W 11 MILE RD STE 210 SOUTHFIELD, MI 480348203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $3K | $12K | 5.51% |
| J.S. CLARK AGENCY, INC.3 Filed as: J.S CLARK AGENCY, INC | 25900 W. 11 MILE RD STE 210 SOUTHFIELD, MI 48034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $2K | $6K | 4.46% |
| J.S. CLARK AGENCY, INC.3 Filed as: J.S. CLARK AGENCY, INC | 25900 W. 11 MILE RD STE 210 SOUTHFIELD, MI 48034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | — | $23K | 30.78% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 3331 W BIG BEAVER RD SUITE 200 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 5.12% |
| J.S. CLARK AGENCY, INC.3 Filed as: J.S. CLARK AGY INC. C/O FRANKLIN | 25900 W 11 MILE RD STE 210 SOUTHFIELD, MI 480342265 | VISION SERVICE PLAN | $2K | — | $2K | 2.82% |
| J.S. CLARK AGENCY, INC.3 Filed as: J.S. CLARK AGENCY, INC | 25900 W 11 MILE RD STE 210 SOUTHFIELD, MI 480348203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $974 | $13K | 17.49% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $874 | — | $874 | 2.85% |
| MERITAIN HEALTH3 Filed as: MERITAIN HEALTH INC | 300 CORPORATE PKWY AMHERST, NY 14226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $151 | — | $151 | 0.49% |
| MORRIS, CHRISTOPHER, ROBERT3 | 2977 SIDCO DR NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $62 | — | $62 | 0.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 3331 W BIG BEAVER RD STE 200 TROY, MI 48084 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $52 | — | $52 | 0.17% |
| PERFORMAX INC3 Filed as: PERFORMAX | 7004 SECURITY BLVD STE 300 BALTIMORE, MD 21244 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $41 | — | $41 | 0.13% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $74 | — | $74 | 8.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 3331 W BIG BEAVER RD STE 200 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9 | — | $9 | 1.04% |
| MORRIS, CHRISTOPHER, ROBERT3 | 2977 SIDCO DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2 | — | $2 | 0.23% |
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 | 475 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 19 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 502 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 666 | $4.3M |
| Vision | VISION SERVICE PLAN | 374 | $73K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 496 | $299K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 177 | $134K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 496 | $227K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 666 | $4.3M |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 496 | $406K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 666 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.