| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CARL R MESSING3 | 691 N SQUIRREL RD STE 190 AUBURN HILLS, MI 48326 | BLUE CROSS BLUE SHEILD OR MICHIGAN | $131K | — | $131K | 3.06% |
| ACRISURE LLC3 Filed as: ACRISURE | 100 OTTAWA AVE SE GRAND RAPIDS, MI 495039503 | BLUE CROSS BLUE SHEILD OR MICHIGAN | $4K | — | $4K | 0.08% |
| KIMMEL AGENCY INC4 | 1196 INCA TRAIL LAKE ORION, MI 48362 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3K | — | $3K | 3.42% |
| KIMMEL AGENCY INC3 | 1196 INCA TRAIL LAKE ORION, MI 48362 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 16.34% |
| CARL R MESSING3 | 691 N SQUIRREL RD STE 190 AUBURN HILLS, MI 48326 | BLUE CROSS BLUE SHEILD OR MICHIGAN | $3K | — | $3K | 3.05% |
| ACRISURE LLC3 Filed as: ACRISURE | 100 OTTAWA AVE SE GRAND RAPIDS, MI 495039503 | BLUE CROSS BLUE SHEILD OR MICHIGAN | $51 | — | $51 | 0.06% |
| KIMMEL AGENCY INC3 | 1196 INCA TRAIL LAKE ORION, MI 48362 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 16.40% |
| KIMMEL AGENCY INC3 | 1196 INCA TRAIL LAKE ORION, MI 48362 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 2.45% |
| VOLUNTARY SOLUTIONS INC5 Filed as: VOLUNTARY SOLUTIONS, INC. | 9903 E 150TH AVE BRIGHTON, CO 80602 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.94% |
| THIRJUNG, GARY S3 | 1263 W SQUARE LAKE RD BLOOMFIELD HILLS, MI 48302 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $79 | — | $79 | 0.15% |
| NATIONAL ENROLLMENT PARTNERS LLC3 Filed as: NATIONAL ENROLLMENT PARTNERS, LLC | 2000 CHAPEL VIEW BLVD, STE 240 CRANSTON, RI 02920 | PROVIDENT LIFE AND ACCIDENT INSURANCE 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 | 294 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 294 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHEILD OR MICHIGAN | 507 | $4.4M |
| Dental(2 contracts) | BLUE CROSS BLUE SHEILD OR MICHIGAN | 507 | $4.4M |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 170 | $119K |
| Short-term disability(2 contracts, 2 carriers) | THE PAUL REVERE LIFE INSURANCE COMPANY | 258 | $155K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 117 | $100K |
| Prescription drug(2 contracts) | BLUE CROSS BLUE SHEILD OR MICHIGAN | 507 | $4.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 507 | — |
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.