| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL PANNUTO3 Filed as: MICHAEL P. PANNUTO | 45445 MOUND RD. STE 102 UTICA, MI 48317 | BLUE CARE NETWORK OF MICHIGAN | $16K | $353 | $16K | 3.33% |
| MICHAEL PANNUTO3 Filed as: MICHAEL P. PANNUTO | 45445 MOUND RD. STE 102 UTICA, MI 48317 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $7K | $106 | $7K | 3.12% |
| MICHAEL PANNUTO3 | 45445 MOUND RD STE 102 UTICA, MI 48317 | MARKEL INSURANCE COMPANY | $14K | — | $14K | 15.00% |
| CHELTEN BENEFITS GROUP3 Filed as: CHELTEN BENEFITS GROUP AGENCY, INC | 4768 PARKVIEW DRIVE CLARKSTON, MI 48346 | MARKEL INSURANCE COMPANY | $5K | — | $5K | 5.00% |
| NEVAEH INSURANCE SOLUTIONS3 | 5528 VALENCIA PARK BLVD HILLIARD, OH 43026 | MARKEL INSURANCE COMPANY | $3K | — | $3K | 3.00% |
| MICHAEL PANNUTO3 Filed as: MICHAEL P. PANNUTO | 34656 GIANNETTI DR. STERLING HTS, MI 48312 | STARMOUNT LIFE INSURANCE COMPANY | $4K | $755 | $5K | 12.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | STARMOUNT LIFE INSURANCE COMPANY | $2K | $2K | $3K | 9.00% |
| MICHAEL PANNUTO3 Filed as: MICHAEL P. PANNUTO | 34656 GIANNETTI DR. STERLING HTS, MI 48312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $154 | $1K | 17.01% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $384 | $307 | $691 | 9.00% |
| MICHAEL PANNUTO3 Filed as: MICHAEL P. PANNUTO | 34656 GIANNETTI DR. STERLING HTS, MI 48312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $381 | $51 | $432 | 16.99% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $127 | $102 | $229 | 9.01% |
| MICHAEL PANNUTO3 Filed as: MICHAEL P. PANNUTO | 34656 GIANNETTI DR. STERLING HTS, MI 48312 | UNUM INSURANCE COMPANY | $148 | $20 | $168 | 7.89% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM INSURANCE COMPANY | $74 | — | $74 | 3.48% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON CHAPMAN, INC | PO BOX 9201 AUSTIN, TX 78766 | UNUM INSURANCE COMPANY | $73 | — | $73 | 3.43% |
| MICHAEL PANNUTO3 Filed as: MICHAEL P. PANNUTO | 34656 GIANNETTI DR. STERLING HTS, MI 48312 | UNUM INSURANCE COMPANY | $182 | $25 | $207 | 10.30% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 48312 | UNUM INSURANCE COMPANY | $90 | — | $90 | 4.48% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN, INC. | PO BOX 9201 AUSTIN, TX 78766 | UNUM INSURANCE COMPANY | $89 | — | $89 | 4.43% |
| GIS BENEFITS INC3 Filed as: GIS OF ILLINOIS | 422 WAUPONSEE STREET MORRIS, IL 60450 | METLIFE LEGAL PALN | $166 | — | $166 | 14.97% |
| MICHAEL PANNUTO3 Filed as: MICHAEL P. PANNUTO | 34656 GIANNETTI DR. STERLING HTS, MI 48312 | METLIFE LEGAL PALN | $150 | — | $150 | 13.53% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 Filed as: BOON-CHAPMAN BENEFIT ADMINISTRATORS | PO BOX 9201, BLDG I STE 100 AUSTIN, TX 78766 | METLIFE LEGAL PALN | — | $77 | $77 | 6.94% |
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 | 110 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CARE NETWORK OF MICHIGAN | 89 | $814K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 88 | $38K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 88 | $38K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 28 | $3K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 19 | $8K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 19 | $8K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 84 | $724K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 28 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 89 | — |
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.