| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL R BULGARELLI3 | 29110 N WESTERN HWY S-240 SOUTHFIELD, MI 480348034 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $254K | $8K | $262K | 4.74% |
| MICHAEL R BULGARELLI3 | 29110 N WESTERN HWY S-240 SOUTHFIELD, MI 480348034 | BLUE CARE NETWORK OF MICHIGAN | $85K | $4K | $88K | 3.56% |
| COSTAFF BENEFIT SERVICES INC3 | 26555 EVERGREEN RD STE 1070 SOUTHFIELD, MI 48089 | STARMOUNT LIFE INSURANCE COMPANY | $54K | — | $54K | 9.07% |
| COSTAFF BENEFIT SERVICES INC3 | 26555 EVERGREEN RD STE 1070 SOUTHFIELD, MI 480764206 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 6.47% |
| COSTAFF BENEFIT SERVICES INC3 | 26555 EVERGREEN RD STE 1070 SOUTHFIELD, MI 480764206 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | — | $14K | 9.51% |
| COSTAFF BENEFIT SERVICES INC3 | 26555 EVERGREEN RD STE 1070 SOUTHFIELD, MI 48089 | STARMOUNT LIFE INSURANCE COMPANY | $15K | — | $15K | 10.89% |
| COSTAFF BENEFIT SERVICES INC3 | 26555 EVERGREEN RD STE 1070 SOUTHFIELD, MI 48089 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 13.77% |
| COSTAFF BENEFIT SERVICES INC3 | 26555 EVERGREEN RD STE 1070 SOUTHFIELD, MI 48089 | UNUM INSURANCE COMPANY | $15K | $336 | $15K | 19.20% |
| COSTAFF BENEFIT SERVICES INC3 | 26555 EVERGREEN RD STE 1070 SOUTHFIELD, MI 48089 | UNUM INSURANCE COMPANY | $9K | $965 | $10K | 15.35% |
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 | 1,126 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,143 | 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 | 1,388 | $8.0M |
| Dental(2 contracts, 2 carriers) | STARMOUNT LIFE INSURANCE COMPANY | 1,126 | $743K |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,068 | $285K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 763 | $429K |
| Short-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 763 | $417K |
| Long-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 763 | $417K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,388 | $8.0M |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 763 | $575K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,388 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.