| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMERICA INSURANCE SERVICES, INC.3 Filed as: COMERICA INSURANCE SERVICES IN | 201 WEST FORT STREET MC 7969 DETROIT, MI 48226 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 8.21% |
| MICHAEL A EMBRY3 Filed as: MICHAEL EMBRY SR | 26555 EVERGREEN SUITE 535 SOUTHFIELD, MI 48076 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $7K | $2K | $9K | 6.27% |
| ENROLL FORCE, LLC3 | 503 FORREST PARK COURT HUNTSVILLE, AL 35806 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 29.51% |
| COMPREHENSIVE BENEFITS INC3 | 26240 WACKER DRIVE CHESTERFIELD, MI 48051 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 13.43% |
| SPETNER ASSOCIATES INC3 | 8630 DELMAR AVENUE SUITE 100 ST LOUIS, MO 63124 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $427 | $6K | 11.54% |
| ENROLL FORCE, LLC3 | 503 FORREST PARK COURT HUNTSVILLE, AL 35806 | PROVIDENT LIFE AND ACCIDENT INSURANCE | $9K | — | $9K | 38.03% |
| COMPREHENSIVE BENEFITS INC3 | 26240 WACKER DRIVE CHESTERFIELD, MI 48051 | PROVIDENT LIFE AND ACCIDENT INSURANCE | $4K | — | $4K | 17.30% |
| SPENTER ASSOCIATES INC3 | 8630 DELMAR AVENUE SUITE 100 ST. LOUIS, MO 63124 | PROVIDENT LIFE AND ACCIDENT INSURANCE | $3K | $73 | $3K | 14.13% |
| COMPREHENSIVE BENEFITS INC3 | 26240 WACKER DRIVE CHESTERFIELD, MI 48051 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 14.21% |
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 | 261 | 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) | 261 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | 355 | $142K |
| Dental | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | 355 | $142K |
| Vision | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | 355 | $142K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 261 | $199K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 261 | $176K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 261 | $176K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | 355 | $142K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 261 | $275K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 355 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.