| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMY J HALL3 | 25900 W, 11 MILE ROAD, SUITE 210 SOUTHFIELD, MI 480348034 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $49K | — | $49K | 1.24% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MI LLC DBA | 25900 W, 11 MILE ROAD, SUITE 210 SOUTHFIELD, MI 480348034 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $4K | $4K | 0.10% |
| AMY J HALL3 | 25900 W.11 MILE RD, STE 210 SOUTHFIELD, MI 480348034 | BLUE CARE NETWORK OF MICHIGAN | $19K | — | $19K | 1.23% |
| 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 | 0.10% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MICHIGAN | 25900 W 11 MILE RD., STE 210 SOUTHFIELD, MI 48034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $4K | $14K | 5.01% |
| PLANSOURCE BENEFIT ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 1.04% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MICHIGAN | 25900 W. 11 MILE RD., STE 210 SOUTHFIELD, MI 48034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $3K | $8K | 3.50% |
| PLANSOURCE BENEFIT ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.04% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MICHIGAN | 25900 W 11 MILE RD., STE 210 SOUTHFIELD, MI 480348203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | $2K | $21K | 17.72% |
| PLANSOURCE BENEFIT ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.05% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MICHIGAN | 25900 W. 11 MILE RD., STE 210 SOUTHFIELD, MI 48034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | — | $19K | 21.54% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS CAPITAL INC | 25900, W 11 MILE RD., STE 210 SOUTHFIRLD, MH 48034 | VISION SERVICE PLAN | $2K | — | $2K | 1.78% |
| 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 | $853 | — | $853 | 1.00% |
| SCHILLER & ASSOCIATES LLC4 | 173 COTTAGE LN MILFORD, MI 48381 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $3K | — | $3K | 14.16% |
| 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 | $3K | — | $3K | 11.00% |
| KAREN B DUCKETT4 | 15055 PIEDMONT ST DETROIT, MI 48223 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $35 | — | $35 | 0.14% |
| TONYA M MACK4 | 5023 W QUINCY ST CHICAGO, IL 60644 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $27 | — | $27 | 0.11% |
| ADAM RICCINTO4 | 722 E CROSS ST YPSILANTI, MI 48198 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $21 | — | $21 | 0.09% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $495 | — | $495 | 2.73% |
| PLANSOURCE BENEFIT ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $181 | — | $181 | 1.00% |
| MORRIS, CHRISTOPHER, ROBERT3 | 2977 SIDCO DR NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $47 | — | $47 | 0.26% |
| PERFORMAX INC3 | 7004 SECURITY BLVD, STE 300 BALTIMORE, MD 21244 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $39 | — | $39 | 0.21% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 755 W BIG BEAVER RD, STE 2300 TROY, MI 48084 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.14% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12 | — | $12 | 6.98% |
| 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 | 1.16% |
| PLANSOURCE BENEFIT ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2 | — | $2 | 1.16% |
| MORRIS, CHRISTOPHER, ROBERT3 Filed as: MORRIS CHRISTOPHER ROBERT | 2977 SIDCO DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
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 | 530 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 89 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 627 | 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 | 621 | $5.5M |
| Vision | VISION SERVICE PLAN | 424 | $85K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 556 | $408K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 242 | $216K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 556 | $272K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 621 | $5.5M |
| Other(6 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 567 | $521K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 621 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.