| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DORIS A CLARKSON3 | 3030 DIXIE HWY WATERFORD, MI 483281718 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $37K | — | $37K | 2.67% |
| GLOBAL AGENT SERVICES INC3 | 3030 DIXIE HWY WATERFORD, MI 48328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 8.99% |
| GLOBAL AGENT SERVICES INC3 | 3030 DIXIE HWY WATERFORD, MI 48328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 14.86% |
| GLOBAL AGENT SERVICES INC3 | 3030 DIXIE HWY WATERFORD, MI 48328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 14.83% |
| ROBERT GENE RAMSAY3 | 1836 HARRISON DRIVE GARDENDALE, AL 35071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $87 | — | $87 | 3.87% |
| WILLIAM OLIVER LAMB3 | 9404 PINEVIEW CT DAVISON, MI 48423 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $20 | $34 | 1.51% |
| GLOBAL AGENT SERVICES INC3 | 3030 DIXIE HIGHWAY WATERFORD, MI 48328 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 1.07% |
| JAMES A KERN3 | 43000 12 OAKS CRESCENT DRIVE NOVI, MI 48377 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $10 | $17 | 0.76% |
| JT BENEFITS LLC3 | 123 HILLTOP BUSINESS CENTER DR PELHAM, AL 35124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $4 | $9 | 0.40% |
| C&J BENEFITS AGENCY LLC3 | 123 HILLTOP BUSINESS DRIVE PELHAM, AL 35124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $3 | $8 | 0.36% |
| D'ARCIPRETE & ASSOCIATES INC3 | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $3 | $6 | 0.27% |
| TONI JACKSON3 | 17341 BIRCHCREST DETROIT, MI 48221 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.13% |
| KENNETH JAMES BOWERY3 | 2083 PINECROFT DR CANTON, MI 48188 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.09% |
| BURTON M HERRING JR3 | 1135 ARLINGTON DRIVE BIRMINGHAM, AL 35224 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.04% |
| AIMEE STONE3 | 3604 COVENTRY CIR VESTAVIA, AL 35243 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.04% |
| KAREIM R CADE3 | 29177 WELLINGTON CT SOUTHFIELD, MI 48034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.04% |
| PATRICIA REED3 | 22500 LUCERNE DR SOUTHFIELD, MI 48075 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.04% |
| TRACY KATZ LLC4 | 1662 E MELTON RD BIRMINGHAM, MI 48009 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $982 | — | $982 | 63.81% |
| ROBERT J. MCCORMICK III LLC4 Filed as: ROBERT J MCCORMICK III LLC | UNIT 341 408 CHICAGO DR JENISON, MI 49429 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $149 | — | $149 | 9.68% |
| GLOBAL AGENT SERVICES INC4 | 3030 DIXIE HWY WATERFORD, MI 48328 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $17 | — | $17 | 1.10% |
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 | 144 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 297 | $1.4M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 297 | $1.4M |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 297 | $1.4M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 141 | $109K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 141 | $85K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 148 | $133K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 297 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.