| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREG LIPOSKY3 | 5435 CORPORATE DR STE 210 TROY, MI 48098 | BLUE CROSS BLUE SHIELD | $77K | — | $77K | 1.48% |
| INSURANCE CONSULTING ASSOCIATES LLC Filed as: INSURANCE CONSULTING ASSOC | 30600 NORTHWESTERN HWY. STE 200 FARMINGTON HILLS, MI 48334 | BLUE CROSS BLUE SHIELD | $8K | — | $8K | 0.15% |
| GREG LIPOSKY3 | 5435 CORPORATE DR STE 210 TROY, MI 48098 | BLUE CROSS BLUE SHIELD | $51K | — | $51K | 1.50% |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSOC | 30600 NORTHWESTERN HWY. STE 200 FARMINGTON HILLS, MI 48334 | BLUE CROSS BLUE SHIELD | — | $3K | $3K | 0.10% |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSOC | 33533 W 12 MILE ROAD SUITE 100 FARMINGTON HILLS, MI 48331 | RELIANCE STANDARD | $72K | — | $72K | 10.00% |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSOC | 5750 NEW KING DR. SUITE 310 TROY, MI 48098 | RELIANCE STANDARD | $39K | $3K | $42K | 16.30% |
| BENETEK CORPORATION3 | 6277 SEA HARBOR DRIVE SUITE 201 ORLANDO, FL 32821 | RELIANCE STANDARD | $21K | — | $21K | 8.05% |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSOC | 5750 NEW KING DR. SUITE 310 TROY, MI 48098 | RELIANCE STANDARD | $25K | — | $25K | 15.00% |
| BENETEK CORPORATION | 6277 SEA HARBOR DRIVE SUITE 201 ORLANDO, FL 32821 | RELIANCE STANDARD | $13K | — | $13K | 8.00% |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSOC | 5750 NEW KING DR. SUITE 310 TROY, MI 48098 | RELIANCE STANDARD | $25K | — | $25K | 15.00% |
| BENETEK CORPORATION | 6277 SEA HARBOR DRIVE SUITE 201 ORLANDO, FL 32821 | RELIANCE STANDARD | $13K | — | $13K | 8.00% |
| DIRECTPATH, LLC0 Filed as: DIRECTPATH HEALTH | 120 18TH STREET S. SUITE 102 BIRMINGHAM, AL 35215 | RELIANCE STANDARD | $10K | — | $10K | 10.50% |
| BENETEK CORPORATION | 6277 SEA HARBOR DRIVE SUITE 201 ORLANDO, FL 32821 | RELIANCE STANDARD | $8K | — | $8K | 8.01% |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSOC | 5750 NEW KING DR. SUITE 310 TROY, MI 48098 | RELIANCE STANDARD | $4K | $395 | $5K | 4.92% |
| DIRECTPATH, LLC3 Filed as: DIRECTPATH HEALTH | 120 18TH STREET S. SUITE 102 BIRMINGHAM, AL 35215 | RELIANCE STANDARD | $9K | — | $9K | 10.50% |
| BENETEK CORPORATION3 | 6277 SEA HARBOR DRIVE SUITE 201 ORLANDO, FL 32821 | RELIANCE STANDARD | $7K | — | $7K | 7.99% |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSOC | 5750 NEW KING DR. SUITE 310 TROY, MI 48098 | RELIANCE STANDARD | $4K | — | $4K | 4.50% |
| SCHILLER & ASSOCIATES LLC4 Filed as: SCHILLER & ASSOCIATES, LLC | 173 COTTAGE LN MILFORD, MI 48381 | PRE-PAID LEGAL ERVICES INC. DBA LEGALSHIELD | $6K | — | $6K | 16.86% |
| GREG LIPOSKY4 | 5435 CORPORATE DR STE 260 TROY, MI 48098 | PRE-PAID LEGAL ERVICES INC. DBA LEGALSHIELD | $1K | — | $1K | 3.87% |
| BROWN AND BROWN OF FLORIDA, INC.4 Filed as: LINDA BROWN | 12120 SCIO CHURCH RD CHELSEA, MI 48118 | PRE-PAID LEGAL ERVICES INC. DBA LEGALSHIELD | $22 | — | $22 | 0.07% |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSOC | 5750 NEW KING DR. SUITE 310 TROY, MI 48098 | RELIANCE STANDARD | $2K | $186 | $2K | 16.36% |
| BENETEK CORPORATION3 | 6277 SEA HARBOR DRIVE SUITE 201 ORLANDO, FL 32821 | RELIANCE STANDARD | $1K | — | $1K | 8.05% |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSOC | 5750 NEW KING DR. SUITE 310 TROY, MI 48098 | RELIANCE STANDARD | $326 | $54 | $380 | 17.46% |
| BENETEK CORPORATION | 6277 SEA HARBOR DRIVE SUITE 201 ORLANDO, FL 32821 | RELIANCE STANDARD | $172 | — | $172 | 7.90% |
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 | 561 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 561 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD | 561 | $3.4M |
| Dental | RELIANCE STANDARD | 1,006 | $716K |
| Vision | RELIANCE STANDARD | 1,006 | $716K |
| Life insurance | RELIANCE STANDARD | 1,795 | $260K |
| Short-term disability | RELIANCE STANDARD | 417 | $95K |
| Long-term disability(2 contracts) | RELIANCE STANDARD | 379 | $170K |
| Other(4 contracts, 2 carriers) | RELIANCE STANDARD | 684 | $298K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,795 | — |
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.