| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHEERAN DAVID N3 Filed as: SHEERAN, DAVID N | 26255 AMERICAN DRIVE SOUTHFIELD, MI 48034 | PRIORITY HEALTH | $19K | — | $19K | 4.00% |
| MEADOWBROOK INC | 26255 AMERICAN DRIVE SOUTHFIELD, MI 48034 | BLUE CARE NETWORK OF MICHIGAN | $14K | — | $14K | 4.53% |
| MEADOWBROOK INC3 | 26255 AMERICAN DRIVE SOUTHFIELD, MI 48034 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | $4K | $12K | 9.69% |
| MEADOWBROOK INC3 | 26255 AMERICAN DRIVE SOUTHFIELD, MI 48034 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $2K | — | $2K | 4.49% |
| MEADOWBROOK INC3 | 26255 AMERICAN DRIVE SOUTHFIELD, MI 48034 | VISION SERVICE PLAN | $911 | — | $911 | 6.26% |
| MEADOWBROOK INC3 | 26255 AMERICAN DRIVE SOUTHFIELD, MI 48034 | BLUE CARE NETWORK OF MICHIGAN | — | — | $0 | 0.00% |
| TRACY KATZ LLC4 | 1662 E MELTON BIRMINGHAM, MI 48009 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $473 | — | $473 | 11.57% |
| STAVA, HANS PETER3 | 26026 TELEGRAPH #100 SOUTHFIELD, MI 48033 | AMERICAN FIDELITY ASSURANCE COMPANY | — | — | $0 | 0.00% |
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 | 373 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 373 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | PRIORITY HEALTH | 99 | $825K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 210 | $127K |
| Vision | VISION SERVICE PLAN | 87 | $15K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 210 | $127K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 210 | $128K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 210 | $127K |
| Prescription drug(2 contracts, 2 carriers) | PRIORITY HEALTH | 99 | $769K |
| Other | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | 23 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.