| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MELISSA ARMATIS3 | 3099 BIDDLE AVENUE WYANDOTTE, MI 48192 | BLUECROSS BLUESHIELD OF MICHIGAN | $24K | $0 | $24K | 1.02% |
| ELAINE C. COFFMAN3 | 325 NORTH OLD WOODWARD AVENUE SUITE 370 BIRMINGHAM, MI 48009 | BLUECROSS BLUESHIELD OF MICHIGAN | $16K | $0 | $16K | 0.68% |
| ASSUREDPARTNERS3 | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | BLUECROSS BLUESHIELD OF MICHIGAN | $0 | $7K | $7K | 0.31% |
| MELISSA ARMATIS3 | 3099 BIDDLE AVENUE WYANDOTTE, MI 48192 | BLUE CARE NETWORK OF MICHIGAN | $5K | $0 | $5K | 0.92% |
| ELAINE C. COFFMAN3 | 325 NORTH OLD WOODWARD AVENUE SUITE 370 BIRMINGHAM, MI 48009 | BLUE CARE NETWORK OF MICHIGAN | $3K | $0 | $3K | 0.58% |
| ASSUREDPARTNERS3 | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | BLUE CARE NETWORK OF MICHIGAN | $0 | $1K | $1K | 0.28% |
| MELISSA ARMATIS3 | 3099 BIDDLE AVENUE WYANDOTTE, MI 48192 | PRIORITY HEALTH | $6K | — | $6K | 2.11% |
| ELAINE C. COFFMAN3 Filed as: ELAINE COFFMAN | 660 WOODWARD AVENUE DETROIT, MI 48226 | PRIORITY HEALTH | $3K | — | $3K | 0.89% |
| ASSUREDPARTNERS3 | 25900 WEST 11 MILE ROAD, SUITE 210 SOUTHFIELD, MI 48034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | $3K | $24K | 10.42% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $4K | $15K | 6.46% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $15K | $15K | 6.43% |
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 | 873 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 873 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUECROSS BLUESHIELD OF MICHIGAN | 647 | $3.2M |
| Dental | BLUECROSS BLUESHIELD OF MICHIGAN | 647 | $2.4M |
| Vision | BLUECROSS BLUESHIELD OF MICHIGAN | 647 | $2.4M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 873 | $226K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 873 | $226K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 873 | $226K |
| Prescription drug(3 contracts, 3 carriers) | BLUECROSS BLUESHIELD OF MICHIGAN | 647 | $3.2M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 873 | $226K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 873 | — |
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.