| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MI LLC | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 483138313 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $2K | $2K | 0.09% |
| AMY J HALL3 Filed as: AMY J. HALL | 423 N MAIN ST ROYAL OAK, MI 48067 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $1K | — | $1K | 0.06% |
| AMY J HALL3 Filed as: AMY HALL | 3099 BIDDLE AVE WYANDOTTE, MI 48192 | DELTA DENTAL OF MICHIGAN | $7K | — | $7K | 4.70% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MICHIGAN | 25900 W 11 MILE RD STE 210 SOUTHFIELD, MI 48034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $4K | $11K | 15.89% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MICHIGANS | 25900 W 11 MILE RD STE 210 SOUTHFIELD, MI 48034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $3K | $5K | 10.90% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MICHIGAN | 25900 W. ELEVEN MILE, SUITE 210 SOUTHFIELD, MI 480348203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 20.00% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MICHIGAN | 25900 W 11 MILE RD STE 210 SOUTHFIELD, MI 48034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 15.92% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MICHIGAN | 25900 W 11 MILE RD STE 210 SOUTHFIELD, MI 48034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $4K | 16.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ASSURED PARTNERS OF MICHIGAN LLC AGENT | Insurance agents and brokers; Non-monetary compensation; Insurance brokerage commissions and fees; Other commissions; Other fees Service code 22 | 25900 W 11 MILE RD STE 21 SOUTHFIELD, MI 48034 | $31K |
| AMY HALL AGENT | Insurance agents and brokers; Other commissions; Other fees; Non-monetary compensation; Insurance brokerage commissions and fees Service code 22 | 25900 W 11 MILE RD STE 21 SOUTHFIELD, MI 48034 | $8K |
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 | 147 | 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) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 299 | $2.4M |
| Dental | DELTA DENTAL OF MICHIGAN | 290 | $141K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 299 | $2.4M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 147 | $49K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 147 | $70K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 147 | $43K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 299 | $2.4M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 152 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 299 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.