| 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 | $33K | $0 | $33K | 5.17% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MI LLC | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 483138313 | BLUE CARE NETWORK OF MICHIGAN | $0 | $1K | $1K | 0.17% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MI LLC | 25900 W 11 MILE RD, SUITE 210 SOUTHFIELD, MI 48034 | STARMOUNT LIFE INSURANCE COMPANY | $6K | $708 | $6K | 11.25% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MI LLC | 25900 W 11 MILE RD, SUITE 210 SOUTHFIELD, MI 48034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $280 | $3K | 14.88% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MI LLC | 25900 W 11 MILE RD, SUITE 210 SOUTHFIELD, MI 48034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $770 | $142 | $912 | 16.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS | 2000 MORRIS AVE, STE 1400 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $324 | $0 | $324 | 8.42% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MI LLC | 25900 W 11 MILE RD, SUITE 210 SOUTHFIELD, MI 48034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $86 | $0 | $86 | 2.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS | 2850 W GOLF RD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $25 | $25 | 0.65% |
| GRIFFIN, STEVEN, RAY3 | 2000 MORRIS AVE, STE 1400 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21 | $0 | $21 | 0.55% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MI LLC | 25900 W 11 MILE RD, SUITE 210 SOUTHFIELD, MI 48034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $378 | $32 | $410 | 16.28% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MI LLC | 25900 W 11 MILE RD, SUITE 210 SOUTHFIELD, MI 48034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $284 | $24 | $308 | 17.11% |
| 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 | $152 | $25 | $177 | 14.57% |
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 | 177 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 159 | $630K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 102 | $57K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 102 | $57K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 177 | $22K |
| Short-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 13 | $9K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 177 | $22K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 159 | $630K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 177 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 177 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.