| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TIMOTHY M DURSO3 Filed as: TIMOTHY M. DURSO | 608 S WASHINGTON AVE STE 200 LANSING, MI 489331658 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $18K | — | $18K | 4.86% |
| TIMOTHY M DURSO3 Filed as: TIMOTHY M. DURSO | 608 S WASHINGTON AVE STE 200 LANSING, MI 489331658 | BLUE CARE NETWORK OF MICHIGAN | $10K | — | $10K | 4.84% |
| STEPHEN K ROWLEY III3 | 151 N MILL ST PLYMOUTH, MI 48170 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $211 | — | $211 | 14.99% |
| NYLIFE SECURITIES LLC3 Filed as: NYLIFE SECURITIES ATTN MARK BADU | 51 MADISON AVE NEW YORK, NY 10010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $28 | $28 | 1.99% |
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 | 132 | 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) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 75 | $575K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 9 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 75 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.