| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMY J HALL3 Filed as: AMY J. HALL | 423 N. MAIN ST. ROYAL OAK, MI 48067 | BLUE CARE NETWORK OF MICHIGAN | $30K | — | $30K | 4.59% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MI LLC | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | BLUE CARE NETWORK OF MICHIGAN | — | $705 | $705 | 0.11% |
| AMY J HALL3 Filed as: AMY J. HALL | 423 N. MAIN ST. ROYAL OAK, MI 48067 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $17K | — | $17K | 5.13% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MI LLC | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $287 | $287 | 0.09% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MI LLC | 3099 BIDDLE AVE WYANDOTTLE, MI 48192 | DELTA DENTAL OF MICHIGAN | $5K | — | $5K | 6.22% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MI LLC | 3099 BIDDLE AVE WYANDOTTLE, MI 48192 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $4K | $10K | 16.34% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MI LLC | 3099 BIDDLE AVE WYANDOTTLE, MI 48192 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $4K | 16.21% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MI LLC | 3099 BIDDLE AVE WYANDOTTLE, MI 48192 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 16.36% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MI LLC | 3099 BIDDLE AVE WYANDOTTLE, MI 48192 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 20.83% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MI LLC | 3099 BIDDLE AVE WYANDOTTLE, MI 48192 | VISION SERVICE PLAN | $1K | — | $1K | 5.75% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | — | $89 | $89 | 0.50% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MI LLC | 3099 BIDDLE AVE WYANDOTTLE, MI 48192 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $805 | — | $805 | 15.00% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MI LLC | 3099 BIDDLE AVE WYANDOTTLE, MI 48192 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $635 | — | $635 | 15.01% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MI LLC | 3099 BIDDLE AVE WYANDOTTLE, MI 48192 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $568 | — | $568 | 20.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMY J. HALL AGENT | Other fees; Other commissions; Non-monetary compensation; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 423 N. MAIN ST. ROYAL OAK, MI 48067 | $48K |
| ASSURED PARTNERS OF MICHIGAN, LLC BROKER | Other fees; Insurance agents and brokers; Other commissions; Non-monetary compensation; Insurance brokerage commissions and fees Service code 22 | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | $31K |
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 | 111 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 113 | $997K |
| Dental | DELTA DENTAL OF MICHIGAN | 178 | $87K |
| Vision | VISION SERVICE PLAN | 75 | $18K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 105 | $20K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 105 | $62K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 105 | $27K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 113 | $997K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 33 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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.