| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMY J HALL3 | 25900 W. 11 MILE RD STE 210 SOUTHFIELD, MI 48034 | BLUE CARE NETWORK OF MICHIGAN | $18K | $0 | $18K | 2.16% |
| TIMOTHY M ERNST3 Filed as: TIMOTHY MUMFORD | 25900 W ELEVEN MILE RD SOUTHFIELD, MI 48034 | BLUE CARE NETWORK OF MICHIGAN | $17K | $0 | $17K | 2.06% |
| AMY J HALL3 | 25900 W. 11 MILE RD STE 210 SOUTHFIELD, MI 48034 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $5K | $0 | $5K | 2.29% |
| TIMOTHY M ERNST3 Filed as: TIMOTHY MUMFORD | 25900 W ELEVEN MILE RD SOUTHFIELD, MI 48034 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $4K | $0 | $4K | 1.85% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MICHIGAN, L | 25900 W 11 MILE RD STE 210 SOUTHFIELD, MI 48034 | STARMOUNT LIFE INSURANCE COMPANY | $12K | $2K | $14K | 11.53% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MICHIGAN, L | 25900 W 11 MILE RD STE 210 SOUTHFIELD, MI 48034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $1K | $10K | 9.63% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MICHIGAN, L | 25900 W 11 MILE RD STE 210 SOUTHFIELD, MI 48034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $485 | $6K | 16.02% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MICHIGAN, L | 25900 W 11 MILE RD STE 210 SOUTHFIELD, MI 48034 | UNUM INSURANCE COMPANY | $4K | $299 | $4K | 23.62% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MICHIGAN, L | 25900 W 11 MILE RD STE 210 SOUTHFIELD, MI 48034 | UNUM INSURANCE COMPANY | $1K | $104 | $1K | 15.95% |
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 | 219 | 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) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 190 | $1.0M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 184 | $118K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 184 | $118K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 219 | $144K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 219 | $104K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 219 | $104K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 190 | $1.0M |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 219 | $170K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 219 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.