| 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 | $247K | — | $247K | 3.84% |
| MICHAEL R BULGARELLI3 | 29110 N WESTERN HWY S-240 SOUTHFIELD, MI 480348034 | BLUE CARE NETWORK OF MICHIGAN | $138K | — | $138K | 3.57% |
| COSTAFF BENEFIT SERVICES INC3 | 26555 EVERGREEN RD STE 1070 SOUTHFIELD, MI 48089 | STARMOUNT LIFE INSURANCE COMPANY | $90K | — | $90K | 10.00% |
| COSTAFF BENEFIT SERVICES INC3 | 26555 EVERGREEN RD STE 1070 SOUTHFIELD, MI 48089 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 2.72% |
| COSTAFF BENEFIT SERVICES INC3 | 26555 EVERGREEN RD STE 1070 SOUTHFIELD, MI 48089 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
| COSTAFF BENEFIT SERVICES INC3 | 26555 EVERGREEN RD STE 1070 SOUTHFIELD, MI 48089 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $38K | — | $38K | 15.00% |
| COSTAFF BENEFIT SERVICES INC3 | 26555 EVERGREEN RD STE 1070 SOUTHFIELD, MI 48089 | UNUM INSURANCE COMPANY | $39K | — | $39K | 20.00% |
| COSTAFF BENEFIT SERVICES INC3 | 26555 EVERGREEN RD STE 1070 SOUTHFIELD, MI 48089 | STARMOUNT LIFE INSURANCE COMPANY | $23K | — | $23K | 12.00% |
| COSTAFF BENEFIT SERVICES INC3 | 26555 EVERGREEN RD STE 1070 SOUTHFIELD, MI 480764206 | UNUM INSURANCE COMPANY | $20K | — | $20K | 15.00% |
| COSTAFF BENEFIT SERVICES INC | 26555 EVERGREEN RD STE 1070 SOUTHFIELD, MI 48089 | UNUM INSURANCE COMPANY | $20K | — | $20K | 16.40% |
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 | 845 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 845 | 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 | 942 | $10.3M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 1,632 | $902K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 1,534 | $192K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,545 | $803K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,545 | $853K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,545 | $853K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 942 | $10.3M |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,545 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,632 | — |
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."
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.