| 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 | $314K | — | $314K | 3.85% |
| COSTAFF BENEFIT SERVICES INC | 29100 NORTHWESTERN HIGHWAY STE. 240 SOUTHFIELD, MI 480341089 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $15K | — | $15K | 0.19% |
| MICHAEL R BULGARELLI3 | 29110 N WESTERN HWY S-240 SOUTHFIELD, MI 480348034 | BLUE CARE NETWORK OF MICHIGAN | $137K | — | $137K | 4.23% |
| COSTAFF BENEFIT SERVICES INC3 | 29100 NORTHWESTERN HIGHWAY STE. 240 SOUTHFIELD, MI 480341089 | BLUE CARE NETWORK OF MICHIGAN | $8K | — | $8K | 0.24% |
| COSTAFF BENEFIT SERVICES INC3 | 26555 EVERGREEN RD STE 1070 SOUTHFIELD, MI 48089 | STARMOUNT LIFE INSURANCE COMPANY | $79K | $6K | $85K | 10.75% |
| COSTAFF BENEFIT SERVICES INC3 | 26555 EVERGREEN RD STE 1070 SOUTHFIELD, MI 48089 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $3K | $16K | 4.43% |
| COSTAFF BENEFIT SERVICES INC3 | 26555 EVERGREEN RD STE 1070 SOUTHFIELD, MI 48089 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $31K | $2K | $32K | 15.75% |
| COSTAFF BENEFIT SERVICES INC3 | 26555 EVERGREEN RD STE 1070 SOUTHFIELD, MI 48089 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 0.75% |
| COSTAFF BENEFIT SERVICES INC3 | 26555 EVERGREEN RD STE 1070 SOUTHFIELD, MI 48089 | STARMOUNT LIFE INSURANCE COMPANY | $20K | $1K | $21K | 12.75% |
| COSTAFF BENEFIT SERVICES INC3 | 26555 EVERGREEN RD STE 1070 SOUTHFIELD, MI 48089 | UNUM INSURANCE COMPANY | $32K | $1K | $33K | 20.75% |
| COSTAFF BENEFIT SERVICES INC3 | 26555 EVERGREEN RD STE 1070 SOUTHFIELD, MI 480764206 | UNUM INSURANCE COMPANY | $19K | $2K | $21K | 17.65% |
| COSTAFF BENEFIT SERVICES INC3 | 26555 EVERGREEN RD STE 1070 SOUTHFIELD, MI 48089 | UNUM INSURANCE COMPANY | $11K | $1K | $13K | 17.07% |
| COSTAFF BENEFIT SERVICES INC | 26555 EVERGREEN RD STE 1070 SOUTHFIELD, MI 480764206 | METROPOLITAN GENERAL INSURANCE COMPANY | $7K | — | $7K | 13.47% |
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 | 1,309 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,321 | 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 | 1,193 | $11.4M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 1,217 | $792K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 1,188 | $164K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,152 | $567K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,152 | $564K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,152 | $564K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,193 | $11.4M |
| Other(7 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,152 | $987K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,217 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.