| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMY J HALL3 | 423 N MAIN ST ROYAL OAK, MI 48067 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $54K | — | $54K | 1.25% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MI LLC | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 483138313 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $4K | $4K | 0.09% |
| AMY J HALL3 | 423 N MAIN ST ROYAL OAK, MI 48067 | BLUE CARE NETWORK OF MICHIGAN | $18K | — | $18K | 1.15% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MI LLC | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 483138313 | BLUE CARE NETWORK OF MICHIGAN | — | $2K | $2K | 0.11% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MICHIGAN, LLC | 25900 W 11 MILE RD., STE 210 SOUTHFIELD, MI 48034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $4K | $15K | 4.28% |
| PLANSOURCE BENEFIT ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 1.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MICHIGAN, LLC | 25900 W. 11 MILE RD., STE 210 SOUTHFIELD, MI 48034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $3K | $8K | 3.14% |
| PLANSOURCE BENEFIT ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MICHIGAN, LLC | 25900 W 11 MILE RD., STE 210 SOUTHFIELD, MI 48034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | $2K | $21K | 16.25% |
| PLANSOURCE BENEFIT ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MICHIGAN, LLC | 25900 W. 11 MILE RD., STE 210 SOUTHFIELD, MI 48034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | — | $19K | 20.04% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MICHIGAN | C 3099 BIDDLE AVE WYANDOTTE, MI 48192 | VISION SERVICE PLAN | $3K | — | $3K | 3.66% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS CAPITAL INC | 25900, W 11 MILE RD., STE 210 SOUTHFIELD, MI 48034 | VISION SERVICE PLAN | $311 | — | $311 | 0.38% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF OHIO, LLC | 27064 0AKMEAD DR PERRYSBURG, OH 43551 | UNUM INSURANCE COMPANY | $13K | — | $13K | 27.49% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MICHIGAN, LLC | STE 210 25900 W IL MILE RD SOUTHFIELD, MI 48034 | UNUM INSURANCE COMPANY | $4K | $593 | $4K | 8.80% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF OHIO, LLC | 27064 OAKMEAD DR PERRYSBURG, OH 43551 | UNUM INSURANCE COMPANY | $15K | — | $15K | 32.51% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MICHIGAN, LLC | STE 210 25900 W 11 MILE RD SOUTHFIELD, MI 48034 | UNUM INSURANCE COMPANY | $4K | $596 | $4K | 8.81% |
| SCHILLER & ASSOCIATES LLC4 | 173 COTTAGE LN MILFORD, MI 48381 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | — | $2K | 12.63% |
| ASSUREDPARTNERS4 Filed as: ASSUREDPARTNERS OF MI DBA J S CLARK | 25900 W 11 MILE RD, STE 210 SOUTHFIELD, MI 48034 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | — | $2K | 9.09% |
| DAVID R FRACK4 | 510 LAKE LARCH WAY LAKELAND, FL 33805 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $50 | — | $50 | 0.27% |
| KAREN B DUCKETT4 | 15055 PIEDMONT ST DETROIT, MI 48223 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $41 | — | $41 | 0.23% |
| ADAM RICCINTO4 | 722 E CROSS ST YPSILANTI, MI 48198 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $23 | — | $23 | 0.13% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $249 | — | $249 | 4.49% |
| PLANSOURCE BENEFIT ADMINISTRATION3 | INC. PO BOX 1313 ORLANDO, MI 32802 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $55 | — | $55 | 0.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 755 W BIG BEAVER RD, STE 2300 TROY, MI 48084 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.25% |
| MORRIS, CHRISTOPHER, ROBERT3 | 2977 SIDCO DR NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.13% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3 | — | $3 | — |
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 | 572 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 16 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 593 | 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 | 642 | $5.9M |
| Vision | VISION SERVICE PLAN | 429 | $83K |
| Life insurance(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 588 | $477K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 270 | $247K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 588 | $343K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 642 | $5.9M |
| Other(6 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 588 | $677K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 642 | — |
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.