| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEADOWBROOK INC3 Filed as: MEADOWBROOK INC. | 26255 AMERICAN DRIVE SOUTHFIELD, MI 48034 | PRIORITY HEALTH | $17K | — | $17K | 4.00% |
| MEADOWBROOK INC3 Filed as: MEADOWBROOK INC. | 26255 AMERICAN DRIVE SOUTHFIELD, MI 48034 | BLUE CARE NETWORK OF MICHIGAN | $13K | — | $13K | 4.53% |
| ACTION BENEFITS COMPANY3 Filed as: ACTION BENEFITS | 25800 NORTHWEST HWY SUITE 600 SOUTHFIELD, MI 48075 | BLUE CARE NETWORK OF MICHIGAN | $409 | — | $409 | 0.14% |
| MEADOWBROOK INC3 Filed as: MEADOWBROOK INC. | 26255 AMERICAN DRIVE SOUTHFIELD, MI 48034 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | $4K | $12K | 9.41% |
| MEADOWBROOK INC3 Filed as: MEADOWBROOK INC. | 26255 AMERICAN DRIVE SOUTHFIELD, MI 48034 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $3K | — | $3K | 4.18% |
| MEADOWBROOK INC3 Filed as: MEADOWBROOK INC. | 26255 AMERICAN DRIVE SOUTHFIELD, MI 48034 | VISION SERVICE PLAN | $937 | — | $937 | 6.24% |
| MEADOWBROOK INC3 Filed as: MEADOWBROOK INC. | 26255 AMERICAN DRIVE SOUTHFIELD, MI 48034 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 9.94% |
| TRACY KATZ LLC4 | 1662 E. MELTON ROAD BIRMINGHAM, MI 48009 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $497 | — | $497 | 11.59% |
| HANS PETER STAVA3 | 26026 TELEGRAPH ROAD #100 SOUTHFIELD, MI 48033 | AMERICAN FIDELITY | $161 | — | $161 | 10.01% |
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 | 385 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 385 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | PRIORITY HEALTH | 99 | $806K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 199 | $126K |
| Vision | VISION SERVICE PLAN | 91 | $15K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 199 | $126K |
| Short-term disability(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 199 | $141K |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 199 | $139K |
| Prescription drug(3 contracts, 3 carriers) | PRIORITY HEALTH | 99 | $806K |
| Other | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | 23 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.