| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMY J HALL3 | 25900 W. 11 MILE RD STE 210 SOUTHFIELD, MI 48034 | BLUE CARE NETWORK OF MICHIGAN | $26K | — | $26K | 4.55% |
| ACTION BENEFITS COMPANY3 | 26533 EVERGREEN RD STE 400 SOUTHFIELD, MI 48076 | BLUE CARE NETWORK OF MICHIGAN | $1K | — | $1K | 0.19% |
| J.S. CLARK AGENCY, INC.3 Filed as: J.S. CLARK AGENCY DBA OF ASSUR | 25900 W 11 MILE RD STE210 SOUTHFIELD, MI 48034 | BLUE CARE NETWORK OF MICHIGAN | — | $487 | $487 | 0.09% |
| AMY J HALL3 | 25900 W. 11 MILE RD STE 210 SOUTHFIELD, MI 48034 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $3K | — | $3K | 4.70% |
| ACTION BENEFITS COMPANY3 | 26533 EVERGREEN RD STE 400 SOUTHFIELD, MI 48076 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $35 | — | $35 | 0.05% |
| J.S. CLARK AGENCY, INC.3 Filed as: J.S. CLARK AGENCY DBA AS ASSUR | 25900 W 11 MILE RD STE 210 SOUTHFIELD, MI 48034 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $23 | $23 | 0.03% |
| J.S. CLARK AGENCY, INC.3 Filed as: JS CLARK AGENCY IN | 25900 W ELEVEN MILE ROAD SUITE 210 SOUTHFIELD, MI 48034 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $3K | $5K | 11.12% |
| J.S. CLARK AGENCY, INC.3 Filed as: JS CLARK AGENCY INC | 25900 W ELEVEN MILE RD SUITE 210 SOUTHFIELD, MI 48034 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $559 | — | $559 | 1.14% |
| LUCIDO MORRIS ASSOCIATES, LLC3 | 24255 W 13 MILE RD SUITE 250 BINGHAM FARMS, MI 48025 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $51 | — | $51 | 0.10% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MICHIGAN, LLC | 25900 W 11 MILE RD STE 210 SOUTHFIELD, MI 48034 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $529 | $21 | $550 | 1.97% |
| USI INSURANCE SERVICES LLC3 | 1 SEAGATE STE 1800 TOLEDO, OH 43604 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $197 | — | $197 | 0.70% |
| MARK FERRIS3 | 3400 EXECUTIVE PKWY TOLEDO, OH 43606 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $124 | — | $124 | 0.44% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MICHIGAN, LL | 25900 W 11 MILE RD STE 210 SOUTHFIELD, MI 48034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $195 | $3K | 16.25% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MICHIGAN, LLC | 25900 W 11 MILE RD STE 210 SOUTHFIELD, MI 48034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $230 | $7 | $237 | 2.55% |
| USI INSURANCE SERVICES LLC3 | 1 SEAGATE STE 1800 TOLEDO, OH 43604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $151 | — | $151 | 1.63% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MICHIGAN, LL | 25900 W 11 MILE RD. SUITE 210 SOUTHFIELD, MI 48034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $774 | $97 | $871 | 11.25% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MICHIGAN, LL | 25900 W 11 MILE RD SUITE 210 SOUTHFIELD, MI 48034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $999 | $83 | $1K | 16.24% |
| J.S. CLARK AGENCY, INC.3 Filed as: J.S. CLARK AGENCY INC | 25900 WEST ELEVEN MILE ROAD SUITE 2 SOUTHFIELD, MI 48034 | HERITAGE VISION PLANS INC | $555 | — | $555 | 9.93% |
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 | 129 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 119 | $636K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 64 | $49K |
| Vision | HERITAGE VISION PLANS INC | 54 | $6K |
| Life insurance(4 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 129 | $61K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 23 | $7K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 119 | $636K |
| Other(4 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 129 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 129 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.