| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMPREHENSIVE BENEFITS INC3 | 26555 EVERGREEN SUITE 535 SOUTHFIELD, MI 48076 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 8.09% |
| MICHAEL A EMBRY3 | 26555 EVERGREEN STE 535 SOUTHFIELD, MI 48076 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $12K | $1K | $13K | 10.89% |
| COMPREHENSIVE BENEFITS INC3 | 26555 EVERGREEN SUITE 535 SOUTHFIELD, MI 48076 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 3.52% |
| ENROLL FORCE, LLC3 | 503 FORREST PARK COURT HUNTSVILLE, AL 35806 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $860 | — | $860 | 2.07% |
| SPETNER ASSOCIATES INC3 | 8630 DELMAR AVENUE SUITE 100 ST LOUIS, MO 63124 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $312 | — | $312 | 0.75% |
| STRATEGIC ENROLLMENT SERVICES INC.3 Filed as: STRATEGIC ENROLLMENT SERVICES | 1205 LOUISIANA AVENUE SUITE 441 PERRYSBURG, OH 43552 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $270 | — | $270 | 0.65% |
| COMPREHENSIVE BENEFITS INC3 | 26555 EVERGREEN SUITE 535 SOUTHFIELD, MI 48076 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 15.00% |
| COMPREHENSIVE BENEFITS INC3 | 26555 EVERGREEN STE 535 SOUTHFIELD, MI 48076 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $589 | — | $589 | 3.83% |
| ENROLL FORCE, LLC3 | 503 FORREST PARK CT HUNTSVILLE, AL 35806 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $309 | — | $309 | 2.01% |
| SPETNER ASSOCIATES INC3 | 8630 DELMAR AVE STE 100 ST LOUIS, MO 63124 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $112 | — | $112 | 0.73% |
| STRATEGIC ENROLLMENT SERVICES INC.3 Filed as: STRATEGIC ENROLLMENT SERVICES | 1205 LOUISIANA AVE STE 441 PERRYSBURG, OH 43552 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.09% |
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 | 277 | 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) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 310 | $121K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 310 | $121K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 227 | $150K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 227 | $124K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 227 | $124K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 227 | $207K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 310 | — |
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.