| 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 | $35K | — | $35K | 4.37% |
| ASSUREDPARTNERS4 Filed as: ASSURED PARTNERS OF MI LLC | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | BLUE CARE NETWORK OF MICHIGAN | — | $647 | $647 | 0.08% |
| AMY J HALL5 Filed as: AMY J. HALL | 423 N. MAIN ST. ROYAL OAK, MI 48067 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $4K | — | $4K | 3.43% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MI LLC | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $433 | $433 | 0.39% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MI LLC | 3099 BIDDLE AVE WYANDOTTLE, MI 48192 | DELTA DENTAL OF MICHIGAN | $5K | $79 | $5K | 6.37% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MI LLC | 3099 BIDDLE AVE WYANDOTTLE, MI 48192 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $8K | 12.84% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MI LLC | 3099 BIDDLE AVE WYANDOTTLE, MI 48192 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $727 | $3K | 12.87% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MI LLC | 3099 BIDDLE AVE WYANDOTTLE, MI 48192 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $504 | $4K | 17.45% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MI LLC | 3099 BIDDLE AVE WYANDOTTLE, MI 48192 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $543 | $2K | 12.83% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MI LLC | 3099 BIDDLE AVE WYANDOTTLE, MI 48192 | VISION SERVICE PLAN | $555 | — | $555 | 3.44% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | — | $1 | $1 | 0.01% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MI LLC | 3099 BIDDLE AVE WYANDOTTLE, MI 48192 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $769 | $170 | $939 | 18.31% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MI LLC | 3099 BIDDLE AVE WYANDOTTLE, MI 48192 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $535 | $136 | $671 | 18.81% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MI LLC | 3099 BIDDLE AVE WYANDOTTLE, MI 48192 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $413 | $91 | $504 | 18.31% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMY J. HALL AGENT | Insurance brokerage commissions and fees; Non-monetary compensation; Other fees; Other commissions; Insurance agents and brokers Service code 22 | 423 N. MAIN ST. ROYAL OAK, MI 48067 | $39K |
| ASSURED PARTNERS OF MICHIGAN, LLC BROKER | Other fees; Non-monetary compensation; Other commissions; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | $26K |
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 | 83 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 83 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 141 | $913K |
| Dental | DELTA DENTAL OF MICHIGAN | 165 | $86K |
| Vision | VISION SERVICE PLAN | 54 | $16K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 83 | $19K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 83 | $60K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 83 | $25K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 141 | $913K |
| Other(6 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 83 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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.