| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DALY-MERRITT, INC.3 Filed as: DALY MERRITT, INC | 3099 BIDDLE AVE. WYANDOTTE, MI 48192 | BLUE CARE NETWORK OF MICHIGAN (NORTH) | $39K | — | $39K | 2.07% |
| DALY-MERRITT, INC.3 Filed as: DALY-MERRIT | 3099 BIDDLE AVE. WYANDOTTE, MI 49192 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $21K | — | $21K | 4.42% |
| DAILY MERRITT, INC.3 Filed as: DAILY MERRITT. INC. | 3099 BIDDLE AVE. WYANDOTTE, MI 48192 | DELTA DENTAL OF MICHIGAN | $19K | — | $19K | 9.23% |
| DALT MERRITT, INC.3 | 3099 BIDDLE AVE. WYANDOTTE, MI 48192 | BLUE CARE NETWORK OF MICHIGAN (SOUTH) | $3K | — | $3K | 1.89% |
| DAILY MERRITT, INC.3 Filed as: DAILY MERRIT,, INC. | 3099 BIDDLE AVE. WYANDOTTE, MI 48192 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 14.76% |
| DAILY MERRITT, INC.3 Filed as: DAILY-MERRITT INC | 3099 BIDDLE AVE. WYANDOTTE, MI 49192 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $3K | — | $3K | 4.34% |
| DAILY MERRITT, INC.3 | 3099 BIDDLE AVE. WYANDOTTE, MI 48192 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 14.95% |
| GRIFFIN, STEVEN, RAY5 | 2000 MORRIS AVE., 1400 BIRMINGHAM, AL 35203 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $22K | $4K | $25K | 79.03% |
| DALY-MERRITT, INC.3 Filed as: DALY MERRIT, INC. | 3099 BIDDLE AVE. WYANDOTTE, MI 48192 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 22.50% |
| GRIFFIN, STEVEN, RAY5 | 2000 MORRIS AVE., 1400 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPAY OF AMERICA | $15K | $3K | $17K | 57.39% |
| DALY-MERRITT, INC. Filed as: DALY MERRITT, INC. | 3099 BIDDLE AVE. WYANDOTTE, MI 48192 | UNUM LIFE INSURANCE COMPAY OF AMERICA | $5K | — | $5K | 16.26% |
| DALY-MERRITT, INC.3 | 3099 BIDDLE AVE. WYANDOTTE, MI 48192 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $1K | — | $1K | 3.72% |
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 | 330 | 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) | 330 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 4 carriers) | BLUE CARE NETWORK OF MICHIGAN (NORTH) | 568 | $2.7M |
| Dental | DELTA DENTAL OF MICHIGAN | 627 | $203K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 568 | $29K |
| Life insurance(5 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 568 | $257K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 451 | $153K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 451 | $123K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN (NORTH) | 472 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 627 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.