| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MELISSA ARMATIS3 | 3099 BIDDLE 03 WYANDOTTE, MI 481925928 | BLUE CARE NETWORK OF MI | $111K | $0 | $111K | 4.58% |
| MELISSA ARMATIS3 | 3099 BIDDLE 03 WYANDOTTE, MI 481925928 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $24K | $1K | $25K | 4.03% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MI LLC | 3099 BIDDLE AVE WYANDOTTE, MI 481925928 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | $0 | $21K | 15.73% |
| GRIFFIN, STEVEN, RAY3 Filed as: GRIFFIN STEVEN RAY | STE 1400 2000 MORRIS AVE BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $479 | $5K | 10.10% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MI LLC | 3099 BIDDLE AVE WYANDOTTE, MI 48192 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 3.04% |
| GRIFFIN, STEVEN, RAY3 Filed as: GRIFFIN STEVEN RAY | STE 1400 2000 MORRIS AVE BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 11.83% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MI LLC | 3099 BIDDLE AVE WYANDOTTE, MI 48192 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 3.95% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MI LLC | 3099 BIDDLE AVE WYANDOTTE, MI 481925928 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 14.92% |
| SECURE HARBOR FINANCIAL LTD3 | STE 250 206 S FIFTH AVE ANN ARBOR, MI 48104 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 18.29% |
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 | 661 | 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) | 661 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MI | 661 | $3.1M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 661 | $618K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 661 | $618K |
| Life insurance(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 254 | $129K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 356 | $132K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 13 | $11K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MI | 661 | $3.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 661 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.