| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREG LIPOSKY3 | 27750 STANSBURY FARMINGTON HILLS, MI 48334 | BLUE CROSS BLUE SHIELD | $59K | — | $59K | 1.36% |
| INSURANCE CONSULTING ASSOCIATES LLC7 Filed as: INSURANCE CONSULTING ASSOC | 30600 NORTHWESTERN HWY. STE 200 FARMINGTON HILLS, MI 48334 | BLUE CROSS BLUE SHIELD | — | $7K | $7K | 0.15% |
| GREG LIPOSKY3 | 27750 STANSBURY FARMINGTON HILLS, MI 48334 | BLUE CROSS BLUE SHIELD | $40K | — | $40K | 1.48% |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSOC | 27750 STANSBURY FARMINGTON HILLS, MI 48334 | BLUE CROSS BLUE SHIELD | — | $2K | $2K | 0.09% |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSOC | 33533 W 12 MILE ROAD SUITE 100 FARMINGTON HILLS, MI 48331 | RELIANCE STANDARD | $60K | — | $60K | 10.00% |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSOC | 33533 W 12 MILE ROAD SUITE 100 FARMINGTON HILLS, MI 48331 | RELIANCE STANDARD | $34K | — | $34K | 15.00% |
| BENETEK CORPORATION3 | 4725 W SAND LAKE RD ORLANDO, FL 32819 | RELIANCE STANDARD | $11K | — | $11K | 5.00% |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSOC | 33533 W. 12 MILE ROAD SUITE 100 FARMINGTON HILLS, MI 48331 | RELIANCE STANDARD | $23K | — | $23K | 15.00% |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSOC | 33533 W 12 MILE ROAD SUITE 100 FARMINGTON HILLS, MI 48331 | RELIANCE STANDARD | $22K | — | $22K | 15.00% |
| DIRECTPATH, LLC0 Filed as: DIRECTPATH HEALTH | 120 18TH STREET S. SUITE 102 BIRMINGHAM, AL 35215 | RELIANCE STANDARD | $9K | — | $9K | 10.50% |
| BENETEK CORPORATION | 4725 W SAND LAKE RD SUITE 300 ORLANDO, FL 32819 | RELIANCE STANDARD | $4K | — | $4K | 5.00% |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSOC | 28175 HAGGERTY RD NOVI, MI 48377 | RELIANCE STANDARD | $4K | — | $4K | 4.50% |
| DIRECTPATH, LLC3 Filed as: DIRECTPATH HEALTH | 120 18TH STREET S. SUITE 102 BIRMINGHAM, AL 35215 | RELIANCE STANDARD | $8K | — | $8K | 10.50% |
| BENETEK CORPORATION3 | 4725 W SAND LAKE RD SUITE 300 ORLANDO, FL 32819 | RELIANCE STANDARD | $4K | — | $4K | 5.00% |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSOC | 33533 W. 12 MILE ROAD SUITE 100 FARMINGTON HILLS, MI 48331 | RELIANCE STANDARD | $4K | — | $4K | 4.50% |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSOC | 33533 W 12 MILE ROAD SUITE 100 FARMINGTON HILLS, MI 48331 | RELIANCE STANDARD | $2K | — | $2K | 15.00% |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSOC | 28175 HAGGERTY RD SUITE 100 NOVI, MI 48377 | RELIANCE STANDARD | $537 | — | $537 | 15.01% |
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 | 517 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 517 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD | 517 | $2.7M |
| Dental | RELIANCE STANDARD | 871 | $603K |
| Vision | RELIANCE STANDARD | 871 | $603K |
| Life insurance | RELIANCE STANDARD | 1,524 | $225K |
| Short-term disability | RELIANCE STANDARD | 400 | $88K |
| Long-term disability(2 contracts) | RELIANCE STANDARD | 325 | $158K |
| Other(3 contracts) | RELIANCE STANDARD | 640 | $239K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,524 | — |
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.