| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MELISSA ARMATIS3 | 3099 BIDDLE AVE WYANDOTTE, MI 48192 | PRIORITY HEALTH | $37K | — | $37K | 4.00% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MICHIGAN, LLC | DBA DALY MERRITT INSURANCE 3099 BIDDLE AVE WYANDOTTE, MI 48192 | DELTA DENTAL OF MICHIGAN | $6K | — | $6K | 10.00% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MI, LLC. | 3099 BIDDLE AVE WYANDOTTE, MI 48192 | RELIASTAR LIFE INSURANCE COMPANY | $35K | — | $35K | 64.29% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIR STE 4500 HUNT VALLEY, MD 21030 | RELIASTAR LIFE INSURANCE COMPANY | $2K | — | $2K | 4.55% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MI, LLC | 3099 BIDDLE AVE WYANDOTTE, MI 48192 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $1K | $9K | 18.00% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MI, LLC. | 3099 BIDDLE AVE WYANDOTTE, MI 48192 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $433 | $3K | 18.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MICHIGAN, LLC | DBA DALY MERRITT INSURANCE 3099 BIDDLE AVENUE WYANDOTTE, MI 48192 | EYEMED VISION CARE, LLC | $1K | — | $1K | 10.87% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MI, LLC. | 3099 BIDDLE AVE WYANDOTTE, MI 48192 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $329 | — | $329 | 5.06% |
| GRIFFIN, STEVEN, RAY3 | 2000 MORRIS AVE STE 1400 BIRMINGHAM, AL 35203 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $144 | — | $144 | 2.21% |
| THORNHILL, LLC3 Filed as: THORNHILL, LLC. | 4899 HARNESS COURT PARKER, CO 80134 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $88 | — | $88 | 1.35% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MI, LLC | 3099 BIDDLE AVE WYANDOTTE, MI 48192 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $787 | $157 | $944 | 18.00% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MI, LLC | 3099 BIDDLE AVE WYANDOTTE, MI 48192 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $433 | — | $433 | 17.25% |
| THORNHILL, LLC3 Filed as: THORNHILL, LLC. | 4899 HARNESS COURT PARKER, CO 80134 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $67 | — | $67 | 2.67% |
| GRIFFIN, STEVEN, RAY3 | 2000 MORRIS AVE STE 1400 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $60 | — | $60 | 2.39% |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 12 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH | 0 | $922K |
| Dental | DELTA DENTAL OF MICHIGAN | 231 | $61K |
| Vision | EYEMED VISION CARE, LLC | 114 | $10K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 221 | $5K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 32 | $14K |
| Prescription drug | PRIORITY HEALTH | 0 | $922K |
| Other(5 contracts, 4 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 221 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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.