| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMY J HALL3 | 423 N MAIN STREET ROYAL OAK, MI 48067 | BLUE CARE NETWORK OF MICHIGAN | $39K | $0 | $39K | 4.98% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MI LLC | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 483138313 | BLUE CARE NETWORK OF MICHIGAN | $0 | $1K | $1K | 0.16% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MI LLC | 25900 W 11 MILE RD, SUITE 210 SOUTHFIELD, MI 48034 | STARMOUNT LIFE INSURANCE COMPANY | $8K | $948 | $9K | 11.25% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | STARMOUNT LIFE INSURANCE COMPANY | $0 | $5K | $5K | 6.01% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MI LLC | 25900 W 11 MILE RD, SUITE 210 SOUTHFIELD, MI 48034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $353 | $4K | 13.84% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 6.10% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MI LLC | 25900 W 11 MILE RD, SUITE 210 SOUTHFIELD, MI 48034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $922 | $137 | $1K | 11.49% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $529 | $529 | 5.74% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MI LLC | 25900 W 11 MILE RD, SUITE 210 SOUTHFIELD, MI 48034 | FIRST UNUM LIFE INSURANCE COMPANY OF AMERICA | $715 | $73 | $788 | 16.53% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | FIRST UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $340 | $340 | 7.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES DBA CBA | 2000 MORRIS AVE, STE 1400 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $76 | $0 | $76 | 3.75% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MI LLC | 25900 W 11 MILE RD, SUITE 210 SOUTHFIELD, MI 48034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21 | $0 | $21 | 1.04% |
| GRIFFIN, STEVEN, RAY3 Filed as: GRIFFIN, STEVEN RAY | 2000 MORRIS AVE, STE 1400 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9 | $0 | $9 | 0.44% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MI LLC | 25900 W 11 MILE RD, SUITE 210 SOUTHFIELD, MI 48034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $276 | $23 | $299 | 16.26% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $112 | $112 | 6.09% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MI LLC | 25900 W 11 MILE RD, SUITE 210 SOUTHFIELD, MI 48034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $200 | $17 | $217 | 14.37% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $89 | $89 | 5.89% |
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 | 201 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 189 | $792K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 124 | $76K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 124 | $76K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 201 | $28K |
| Short-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 32 | $15K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 201 | $28K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 189 | $792K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 201 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 201 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.