| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL A EMBRY3 | 26555 EVERGREEN SUITE 535 SOUTHFIELD, MI 48076 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $14K | — | $14K | 13.26% |
| MJ INSURANCE3 Filed as: PROADVISOR INSURANE AGY LLC | 26555 EVERGREEN ROAD SUITE 535 SOUTHFIELD, MI 48076 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $2K | $2K | 2.43% |
| KRYSTN CLARK3 | 35735 MOUND ROAD STERLING HEIGHTS, MI 48310 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $2K | — | $2K | 1.95% |
| COMPREHENSIVE BENEFITS INC3 | 26555 EVERGREEN SUITE 535 SOUTHFIELD, MI 48076 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $626 | $7K | 7.55% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT | 5250 CORPORATE DRIVE SUITE 200 TROY, MI 48098 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $196 | $2K | 2.09% |
| COMPREHENSIVE BENEFITS INC3 | 26555 EVERGREEN SUITE 535 SOUTHFIELD, MI 48076 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $567 | $4 | $571 | 1.82% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF OHIO, LL | 27064 OAKMEAD DRIVE PERRYSBURG, OH 43551 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $44 | — | $44 | 0.14% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT | 5250 CORPORATE DRIVE SUITE 200 TROY, MI 48098 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $29 | — | $29 | 0.09% |
| ENROLL FORCE, LLC3 | 503 FORREST PARK COURT HUNTSVILLE, AL 35806 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13 | — | $13 | 0.04% |
| SPETNER ASSOCIATES INC3 | 8630 DELMAR AVENUE SUITE 100 ST LOUIS, MO 63124 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5 | — | $5 | 0.02% |
| COMPREHENSIVE BENEFITS INC3 | 26555 EVERGREEN SUITE 535 SOUTHFIELD, MI 48076 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $163 | $3K | 13.38% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT | 5250 CORPORATE DRIVE SUITE 200 TROY, MI 48098 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $293 | $24 | $317 | 1.24% |
| ENROLL FORCE, LLC3 | 503 FORREST PARK COURT HUNTSVILLE, AL 35806 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $248 | — | $248 | 2.24% |
| COMPREHENSIVE BENEFITS INC3 | 26555 EVERGREEN STE 535 SOUTHFIELD, MI 48076 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $144 | — | $144 | 1.30% |
| SPETNER ASSOCIATES INC3 | 8630 DELMAR AVENUE SUITE 100 ST LOUIS, MO 63124 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $90 | — | $90 | 0.81% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF OHIO LLC | 27064 OAKMEAD DRIVE PERRYSBURG, OH 43551 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.13% |
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 | 181 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 261 | $103K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 261 | $103K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 181 | $136K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 181 | $99K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 181 | $99K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 181 | $167K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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.