| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANTHONY FRACCHIA3 | 28899 MILLBROOK DRIVE FARMINGTON HILLS, MI 48334 | PRIORITY HEALTH | $34K | — | $34K | 3.00% |
| ANTHONY FRACCHIA3 | 28899 MILLBROOK DRIVE FARMINGTON HILLS, MI 48334 | PRIORITY HEALTH | $34K | — | $34K | 3.00% |
| ANTHONY FRACCHIA3 | 28899 MILLBROOK DRIVE FARMINGTON HILLS, MI 48334 | PRIORITY HEALTH | $8K | — | $8K | 3.00% |
| ANTHONY FRACCHIA3 | 28899 MILLBROOK DRIVE FARMINGTON HILLS, MI 48334 | PRIORITY HEALTH | $8K | — | $8K | 3.00% |
| ANTHONY FRACCHIA3 | 28899 MILLBROOK DRIVE FARMINGTON HILLS, MI 48334 | PRIORITY HEALTH | $5K | — | $5K | 3.35% |
| ANTHONY FRACCHIA3 | 28899 MILLBROOK DRIVE FARMINGTON HILLS, MI 48334 | PRIORITY HEALTH | $5K | — | $5K | 3.35% |
| ALTRUIS BENEFIT CONSULTING INC3 | 30600 TELEGRAPH ROAD SUITE 1225 BINGHAM FARMS, MI 48025 | STARMOUNT LIFE INSURANCE COMPANY | $15K | — | $15K | 12.56% |
| ANTHONY FRACCHIA3 | 28899 MILLBROOK DRIVE FARMINGTON HILLS, MI 48334 | PRIORITY HEALTH | $2K | — | $2K | 3.00% |
| ANTHONY FRACCHIA3 | 2899 MILLBROOK DRIVE FARMINGTON HILLS, MI 48334 | PRIORITY HEALTH | $2K | — | $2K | 3.00% |
| ANTHONY FRACCHIA3 | 28899 MILLBROOK DRIVE FARMINGTON HILLS, MI 48334 | PRIORITY HEALTH | $2K | — | $2K | 3.00% |
| ANTHONY FRACCHIA3 | 28899 MILLBROOK DRIVE FARMINGTON HILLS, MI 48334 | PRIORITY HEALTH | $2K | — | $2K | 3.00% |
| ANTHONY FRACCHIA3 | 28899 MILLBROOK DRIVE FARMINGTON HILLS, MI 48334 | PRIORITY HEALTH | $1K | — | $1K | 3.00% |
| ANTHONY FRACCHIA3 | 28899 MILLBROOK DRIVE FARMINGTON HILLS, MI 48334 | PRIORITY HEALTH | $1K | — | $1K | 3.00% |
| ALTRUIS BENEFIT CONSULTING INC3 | 30600 TELEGRAPH ROAD SUITE 1225 BINGHAM FARMS, MI 48025 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 15.00% |
| ALTRUIS BENEFIT CONSULTING INC3 | 30600 TELEGRAPH ROAD SUITE 1225 BINGHAM FARMS, MI 48025 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 10.00% |
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 | 362 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 27 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 393 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(12 contracts) | PRIORITY HEALTH | 206 | $3.5M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 204 | $119K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 204 | $119K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 362 | $52K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 362 | $24K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 362 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 362 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.