| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DORIS A CLARKSON3 | 030 DIXIE HWY WATERFORD, MI 483281718 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $30K | $0 | $30K | 2.40% |
| REBECCA A MCLAUGHLAN3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $4K | $0 | $4K | 0.32% |
| GLOBAL AGENT SERVICES INC3 | 3030 DIXIE HWY WATERFORD, MI 48328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 5.17% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $512 | $4K | 4.62% |
| GLOBAL AGENT SERVICES INC3 | 3030 DIXIE HWY WATERFORD, MI 48328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 11.28% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $935 | $0 | $935 | 5.10% |
| GLOBAL AGENT SERVICES INC3 | 3030 DIXIE HWY WATERFORD, MI 48328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 11.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $838 | $112 | $950 | 5.87% |
| GLOBAL AGENT SERVICES INC3 | 3030 DIXIE HIGHWAY WATERFORD, MI 48328 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $272 | $0 | $272 | 2.46% |
| ROBERT GENE RAMSAY3 | 1836 HARRISON DRIVE GARDENDALE, AL 35071 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $141 | $0 | $141 | 1.28% |
| TONI JACKSON3 | 17341 BIRCHCREST DETROIT, MI 48221 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $38 | $0 | $38 | 0.34% |
| WILLIAM OLIVER LAMB3 | 9404 PINEVIEW CT DAVISON, MI 48423 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $31 | $1 | $32 | 0.29% |
| JAMES A KERN3 | 43000 12 OAKS CRESCENT DRIVE NOVI, MI 48377 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $17 | $3 | $20 | 0.18% |
| PATRICIA REED3 | 22500 LUCERNE DR SOUTHFIELD, MI 48075 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $16 | $0 | $16 | 0.14% |
| KENNETH JAMES BOWERY3 | 18810 WOODS DR W CLINTON TWP, MI 48036 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $14 | $0 | $14 | 0.13% |
| KAREIM R CADE3 | 29177 WELLINGTON CT SOUTHFIELD, MI 48034 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.07% |
| SPIES CONSULTING GROUP3 | 4301 ORCHARD LAKE WEST BLOOMFIELD, MI 48323 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.07% |
| AIMEE STONE3 | 3604 COVENTRY CIR VESTAVIA, AL 35243 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.06% |
| BURTON M HERRING JR3 | 922 OLD FEDERAL RD SHORTER, AL 36075 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.06% |
| C&J BENEFITS AGENCY LLC3 | 262 YEAGER PARKWAY PELHAM, AL 35124 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.05% |
| JT BENEFITS LLC3 | 262 YEAGER PKWY PELHAM, AL 35124 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.05% |
| PROFESSIONAL ENROLLMENT PERSPECTIVE3 | 43000 12 OAKS CRESCENT DRIVE NOVI, MI 48377 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.05% |
| D'ARCIPRETE & ASSOCIATES INC3 | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.05% |
| TRACY KATZ LLC4 | 1662 E MELTON RD BIRMINGHAM, MI 48009 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $276 | $0 | $276 | 23.31% |
| ROBERT J. MCCORMICK III LLC4 Filed as: ROBERT MCCORMICK III LLC | 408 CHICAGO DR UNIT 341 JENISON, MI 49429 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $75 | $0 | $75 | 6.33% |
| GLOBAL AGENT SERVICES INC4 | 3030 DIXIE HWY WATERFORD, MI 48328 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $29 | $0 | $29 | 2.45% |
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 | 114 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 268 | $1.2M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 268 | $1.2M |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 268 | $1.2M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 114 | $92K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 114 | $76K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 114 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 268 | — |
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.