| 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 | $55K | — | $55K | 1.13% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MI LLC | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 483138313 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $4K | $4K | 0.08% |
| AMY J HALL3 | 423 N MAIN ST ROYAL OAK, MI 48067 | BLUE CARE NETWORK OF MICHIGAN | $26K | — | $26K | 1.25% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MI LLC | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 483138313 | BLUE CARE NETWORK OF MICHIGAN | — | $2K | $2K | 0.09% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MICHIGAN, LLC | 25900 W 11 MILE RD., STE 210 SOUTHFIELD, MI 48034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $5K | $16K | 4.45% |
| PLANSOURCE BENEFIT ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 1.09% |
| 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 | 3.37% |
| PLANSOURCE BENEFIT ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 1.09% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MICHIGAN, LLC | 25900 W 11 MILE RD., STE 210 SOUTHFIELD, MI 48034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | $2K | $22K | 17.66% |
| PLANSOURCE BENEFIT ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.09% |
| 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 | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | STE 2300 755 W BIG BEAVER RD TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $394 | — | $394 | 0.42% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MICHIGAN LLC | 3099 BIDDLE AVE WYANDOTTE, MI 48192 | VISION SERVICE PLAN | $2K | — | $2K | 2.75% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF OHIO, LLC | 27064 OAKMEAD DR PERRYSBURG, OH 43551 | UNUM INSURANCE COMPANY | $5K | — | $5K | 10.37% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MICHIGAN, LLC | STE 210 25900 W 11 MILE RD SOUTHFIELD, MI 48034 | UNUM INSURANCE COMPANY | $4K | $404 | $4K | 9.05% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF OHIO, LLC | 27064 0AKMEAD DR PERRYSBURG, OH 43551 | UNUM INSURANCE COMPANY | $4K | — | $4K | 10.37% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MICHIGAN, LLC | STE 210 25900 W IL MILE RD SOUTHFIELD, MI 48034 | UNUM INSURANCE COMPANY | $4K | $387 | $4K | 9.11% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF OHIO, LLC | 27064 OAKMEAD DR PERRYSBURG, OH 43551 | UNUM INSURANCE COMPANY | $3K | — | $3K | 9.29% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MICHIGAN, L | STE 210 25900 W 11 MILE RD SOUTHFIELD, MI 48034 | UNUM INSURANCE COMPANY | $2K | $246 | $3K | 9.01% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $87 | — | $87 | 2.15% |
| PLANSOURCE BENEFIT ADMINISTRATION3 | INC. PO BOX 1313 ORLANDO, MI 32802 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $41 | — | $41 | 1.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 755 W BIG BEAVER RD, STE 2300 TROY, MI 48084 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.25% |
| MORRIS, CHRISTOPHER, ROBERT3 | 2977 SIDCO DR NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.12% |
| SCHILLER & ASSOCIATES LLC4 | 173 COTTAGE LN MILFORD, MI 48381 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | — | $2K | — |
| ASSUREDPARTNERS4 Filed as: ASSUREDPARTNERS OF MI DBA J S CLARK | 25900 W 11 MILE RD, STE 210 SOUTHFIELD, MI 480342265 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $826 | — | $826 | — |
| KAREN B DUCKETT4 | 15055 PIEDMONT ST DETROIT, MI 482232244 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $41 | — | $41 | — |
| ADAM RICCINTO4 | 722 E CROSS ST YPSILANTI, MI 481983819 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $30 | — | $30 | — |
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 | 607 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 626 | 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 | 628 | $6.9M |
| Vision | VISION SERVICE PLAN | 464 | $90K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 611 | $479K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 260 | $235K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 611 | $350K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 628 | $6.9M |
| Other(7 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 618 | $687K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 628 | — |
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.