| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMY J HALL3 | 25900 W.11 MILE RD., STE 210 SOUTHFIELD, MI 480348034 | BLUE CARE NETWORK OF MICHIGAN | $46K | — | $46K | 1.25% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MI LLC DBA | 25900 W 11 MILE RD., STE 210 SOUTHFIELD, MI 480348034 | BLUE CARE NETWORK OF MICHIGAN | — | $2K | $2K | 0.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGCY LLC DB | 755 W BIG BEAVER RD STE., 2300 TROY, MI 480848084 | BLUE CARE NETWORK OF MICHIGAN | — | $201 | $201 | 0.01% |
| AMY J HALL3 | 25900 W.11 MILE RD, STE 210 SOUTHFIELD, MI 480348034 | BLUE CARE NETWORK OF MICHIGAN | $18K | — | $18K | 1.35% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MI LLC DBA | 25900 W 11 MILE RD, STE 210 SOUTHFIELD, MI 48034 | BLUE CARE NETWORK OF MICHIGAN | — | $562 | $562 | 0.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGCY LLC DB | 755 W BIG BEAVER RD, STE 2300 TROY, MI 480848084 | BLUE CARE NETWORK OF MICHIGAN | — | $75 | $75 | 0.01% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MICHIGAN | 25900 W 11 MILE RD., STE 210 SOUTHFIELD, MI 480348203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $3K | $13K | 4.52% |
| PLANSOURCE BENEFIT ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 0.88% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 755 W BIG BEAVER RD STE, 2300 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $399 | $386 | $785 | 0.28% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MICHIGAN | 25900 W. 11 MILE RD., STE 210 SOUTHFIELD, MI 48034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $2K | $7K | 3.18% |
| PLANSOURCE BENEFIT ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 0.89% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 755 W BIG BEAVER RD., STE 2300 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $136 | $272 | $408 | 0.19% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MICHIGAN | 25900 W 11 MILE RD., STE 210 SOUTHFIELD, MI 480348203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $1K | $18K | 14.79% |
| PLANSOURCE BENEFIT ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.88% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 755 W BIG BEAVER RD STE 2300 TROY, MI 480848084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $888 | $118 | $1K | 0.84% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MICHIGAN | 25900 W. 11 MILE RD., STE 210 SOUTHFIELD, MI 48034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 18.55% |
| 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 | 2.90% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $662 | — | $662 | 3.75% |
| PLANSOURCE BENEFIT ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $88 | — | $88 | 0.50% |
| MORRIS, CHRISTOPHER, ROBERT3 | 2977 SIDCO DR NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $48 | — | $48 | 0.27% |
| PERFORMAX INC3 Filed as: PERFORMAX | 7004 SECURITY BLVD, STE 300 BALTIMORE, MD 21244 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $41 | — | $41 | 0.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 755 W BIG BEAVER RD, STE 2300 TROY, MI 48084 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 0.15% |
| SCHILLER & ASSOCIATES LLC4 | 173 COTTAGE LN MILFORD, MI 48381 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | — | $2K | 12.14% |
| J.S. CLARK AGENCY, INC.4 Filed as: J S CLARK AGENCY IN | 25900 W 11 MILE RD, STE 210 SOUTHFIELD, MI 48034 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | — | $1K | 8.76% |
| KAREN B DUCKETT4 | 15055 PIEDMONT ST DETROIT, MI 48223 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $38 | — | $38 | 0.27% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17 | — | $17 | 8.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 755 W BIG BEAVER RD, STE 2300 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2 | — | $2 | 1.06% |
| PLANSOURCE BENEFIT ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1 | — | $1 | 0.53% |
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 | 549 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 42 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 602 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CARE NETWORK OF MICHIGAN | 648 | $5.0M |
| Vision | VISION SERVICE PLAN | 433 | $81K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 556 | $419K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 252 | $218K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 556 | $282K |
| Prescription drug(2 contracts) | BLUE CARE NETWORK OF MICHIGAN | 648 | $5.0M |
| Other(6 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 570 | $530K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 648 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.