| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMY J HALL3 | 423 N MAIN ST ROYAL OAK, MI 48067 | BLUE CARE NETWORK OF MICHIGAN | $41K | — | $41K | 5.27% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MI LLC | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | BLUE CARE NETWORK OF MICHIGAN | — | $787 | $787 | 0.10% |
| PAUL KAHLER3 | 25900 W. 11 MILE RD, SUITE 210 SOUTHFIELD, MI 480348034 | BLUE CARE NETWORK OF MICHIGAN | $646 | — | $646 | 0.08% |
| AMY J HALL3 | 423 N MAIN ST ROYAL OAK, MI 48067 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $12K | — | $12K | 5.19% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MI LLC | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $140 | $140 | 0.06% |
| PAUL KAHLER3 | 25900 W. 11 MILE RD, SUITE 210 SOUTHFIELD, MI 480348034 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $70 | — | $70 | 0.03% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MICHIGAN, LLC | 3099 BIDDLE AVENUE WYANDOTTE, MI 48192 | DELTA DENTAL OF MICHIGAN | $6K | — | $6K | 6.84% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MICHIGAN LLC | 25900 W 11 MILE RD STE 210 SOUTHFIELD, MI 48034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $3K | $9K | 15.51% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MICHIGAN LLC | 25900 W 11 MILE RD STE 210 SOUTHFIELD, MI 48034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 15.51% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MICHIGAN LLC | 25900 W 11 MILE RD STE 210 SOUTHFIELD, MI 48034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $996 | $3K | 15.14% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS CAPITAL INC | 3099 BIDDLE AVE WYANDOTTE, MI 48192 | VISION SERVICE PLAN | $914 | — | $914 | 5.12% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS CAPITAL INC | 25900 W 11 MILE RD STE 210 SOUTHFIELD, MI 48034 | VISION SERVICE PLAN | $409 | — | $409 | 2.29% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 208142554 | VISION SERVICE PLAN | $57 | — | $57 | 0.32% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MICHIGAN LLC | 25900 W 11 MILE RD STE 210 SOUTHFIELD, MI 48034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $974 | $3K | 20.95% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMY J HALL AGENT | Other commissions; Non-monetary compensation; Insurance agents and brokers; Insurance brokerage commissions and fees; Other fees Service code 22 | 423 N MAIN ST ROYAL OAK, MI 48067 | $53K |
| ASSURED PARTNERS OF MICHIGAN LLC BROKER | Insurance brokerage commissions and fees; Non-monetary compensation; Other commissions; Other fees; Insurance agents and brokers Service code 22 | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | $27K |
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 | 113 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 138 | $1.0M |
| Dental | DELTA DENTAL OF MICHIGAN | 184 | $84K |
| Vision | VISION SERVICE PLAN | 68 | $18K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 113 | $36K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 113 | $60K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 113 | $25K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 138 | $1.0M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 113 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.