| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MICHIGAN LLC | 3099 BIDDLE AVE WYANDOTTE, MI 48192 | TOTAL HEALTH CARE USA, INC. | $38K | — | $38K | 3.84% |
| MELISSA ARMATIS3 | 3099 BIDDLE AVE WYANDOTTE, MI 48192 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $9K | — | $9K | 4.25% |
| ACTION BENEFITS COMPANY3 | 26533 EVERGREEN RD STE 400 SOUTHFIELD, MI 48076 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $175 | — | $175 | 0.09% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MICHIGAN, LLC | DBA DALY MERRITT INSURANCE 3099 BIDDLE AVE WYANDOTTE, MI 48192 | DELTA DENTAL OF MICHIGAN | $8K | — | $8K | 10.77% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MICHIGAN, LLC | 3099 BIDDLE AVE WYANDOTTE, MI 48192 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 10.99% |
| THORNHILL, LLC3 | 4899 HARNESS COURT PARKER, CO 80134 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $420 | — | $420 | 0.80% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MICHIGAN, LLC | 3099 BIDDLE AVE WYANDOTTE, MI 48192 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 10.62% |
| THORNHILL, LLC3 | 4899 HARNESS COURT PARKER, CO 80134 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 10.09% |
| STEVEN RAY GRIFFIN3 | 2000 MORRIS AVE STE 1400 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $19 | $2K | 3.97% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MI, LLC | 3099 BIDDLE AVE WYANDOTTE, MI 48192 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 15.86% |
| THORNHILL, LLC3 | 4899 HARNESS COURT PARKER, CO 80134 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $260 | — | $260 | 0.87% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MICHIGAN, LLC | 3099 BIDDLE AVE WYANDOTTE, MI 48192 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 10.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MICHIGAN, LLC | 3099 BIDDLE AVE WYANDOTTE, MI 48192 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $686 | — | $686 | 7.31% |
| THORNHILL, LLC3 | 4899 HARNESS COURT PARKER, CO 80134 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $649 | — | $649 | 6.92% |
| STEVEN RAY GRIFFIN3 | 2000 MORRIS AVE STE 1400 BIRMINGHAM, AL 35203 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $277 | $262 | $539 | 5.74% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MICHIGAN, LLC | DBA DALY MERRITT INSURANCE 3099 BIDDLE AVENUE WYANDOTTE, MI 48192 | EYEMED VISION CARE, LLC | $723 | — | $723 | 8.22% |
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 | 249 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 35 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 285 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | TOTAL HEALTH CARE USA, INC. | 199 | $1.2M |
| Dental | DELTA DENTAL OF MICHIGAN | 249 | $75K |
| Vision(2 contracts, 2 carriers) | TOTAL HEALTH CARE USA, INC. | 199 | $993K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 211 | $11K |
| Prescription drug(2 contracts, 2 carriers) | TOTAL HEALTH CARE USA, INC. | 199 | $1.2M |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 211 | $141K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 249 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.