| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL PANNUTO3 Filed as: MICHAEL P. PANNUTO | 34656 GIANNETTI DR. STERLING HEIGHTS, MI 48312 | BLUE CARE NETWORK OF MICHIGAN | $13K | — | $13K | 3.00% |
| MICHAEL PANNUTO3 Filed as: MICHAEL P. PANNUTO | 34656 GIANNETTI DR. STERLING HEIGHTS, MI 48312 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $10K | — | $10K | 3.04% |
| MICHAEL PANNUTO3 Filed as: MICHAEL P. PANNUTO | 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 | 34656 GIANNETTI DR. STERLING HEIGHTS, MI 48317 | STARMOUNT LIFE INSURANCE COMPANY | $5K | $502 | $5K | 11.02% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | STARMOUNT LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | STARMOUNT LIFE INSURANCE COMPANY | — | $429 | $429 | 0.88% |
| MICHAEL PANNUTO3 Filed as: MICHAEL P. PANNUTO | 34656 GIANNETTI DR. STERLING HTS, MI 48312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $395 | $5K | 16.30% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 5.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $536 | $536 | 1.77% |
| MICHAEL PANNUTO3 Filed as: MICHAEL P. PANNUTO | 34656 GIANNETTI DR. STERLING HTS, MI 48312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $251 | $4K | 16.13% |
| GIS BENEFITS INC3 Filed as: GIS OF ILLINOIS | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 5.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $270 | $270 | 1.22% |
| MICHAEL PANNUTO3 Filed as: MICHAEL P. PANNUTO | 34656 GIANNETTI DR. STERLING HTS, MI 48312 | UNUM INSURANCE COMPANY | $524 | $30 | $554 | 10.62% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM INSURANCE COMPANY | — | $261 | $261 | 5.00% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN, INC. | PO BOX 9201 AUSTIN, TX 78766 | UNUM INSURANCE COMPANY | $258 | — | $258 | 4.94% |
| MICHAEL PANNUTO3 Filed as: MICHAEL P. PANNUTO | 34656 GIANNETTI DR. STERLING HEIGHTS, MI 48312 | UNUM INSURANCE COMPANY | $328 | $30 | $358 | 11.70% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM INSURANCE COMPANY | — | $163 | $163 | 5.33% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN, INC. | PO BOX 9201 AUSTIN, TX 78766 | UNUM INSURANCE COMPANY | $162 | — | $162 | 5.29% |
| GIS BENEFITS INC3 Filed as: GIS OF ILLINOIS | 422 WAUPONSEE STREET MORRIS, IL 60450 | METLIFE LEGAL PLAN | $228 | — | $228 | 14.94% |
| MICHAEL PANNUTO3 Filed as: MICHAEL P. PANNUTO | 34656 GIANNETTI DR. STERLING HTS, MI 48312 | METLIFE LEGAL PLAN | $207 | — | $207 | 13.56% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 Filed as: BOON-CHAPMAN BENEFIT ADMINISTRATORS | PO BOX 9201, BLDG I STE 100 AUSTIN, TX 78766 | METLIFE LEGAL PLAN | — | $106 | $106 | 6.95% |
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 | 104 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CARE NETWORK OF MICHIGAN | 82 | $859K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 84 | $49K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 84 | $49K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 36 | $30K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 16 | $22K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 16 | $22K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 82 | $763K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 36 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 84 | — |
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.