| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSEPH J HANEY3 Filed as: JOSEPH HANEY | 42560 VAN DYKE STERLING HEIGHTS, MI 48314 | BLUE CARE NETWORK OF MICHIGAN | $32K | — | $32K | 4.85% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MI LLC | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | BLUE CARE NETWORK OF MICHIGAN | $861 | — | $861 | 0.13% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MI LLC | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | KAISER PERMANENTE | $27K | — | $27K | 4.26% |
| JOSEPH J HANEY3 Filed as: JOSEPH HANEY | 42560 VAN DYKE STERLING HEIGHTS, MI 48314 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $3K | — | $3K | 2.80% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MI LLC | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48314 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $224 | — | $224 | 0.24% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MI - JOSEPH HAN | 3099 BIDDLE AVE WYANDOTTE, MI 48192 | DELTA DENTAL OF MICHIGAN | $4K | $170 | $5K | 4.97% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MI LLC | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | LINCOLN FINANCIAL GROUP | $8K | $4K | $12K | 15.63% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFIT RESEARCH LLC | 325 NORTH KIRKWOOD RD SUITE 300 KIRKWOOD, MO 63122 | LINCOLN FINANCIAL GROUP | — | $4K | $4K | 5.00% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MI LLC | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | VSP VISION CARE | $1K | — | $1K | 4.81% |
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 | 643 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 643 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CARE NETWORK OF MICHIGAN | 87 | $1.4M |
| Dental | DELTA DENTAL OF MICHIGAN | 209 | $91K |
| Vision | VSP VISION CARE | 115 | $28K |
| Life insurance | LINCOLN FINANCIAL GROUP | 109 | $75K |
| Short-term disability | LINCOLN FINANCIAL GROUP | 109 | $75K |
| Long-term disability | LINCOLN FINANCIAL GROUP | 109 | $75K |
| Prescription drug(3 contracts, 3 carriers) | BLUE CARE NETWORK OF MICHIGAN | 87 | $1.4M |
| Other | LINCOLN FINANCIAL GROUP | 109 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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.