| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRANK J MAYER3 | 27750 STANSBURY #100 FARMINGTON HILLS, MI 48334 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $143K | — | $143K | 3.00% |
| INSURANCE CONSULTING ASSOCIATES LLC3 | 30600 NORTHWESTERN HWY STE 200 FARMINGTON HILLS, MI 48334 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $3K | $3K | 0.07% |
| CORNERSTONE BENEFITS LLC3 | STE 250 1450 W LONG LAKE TROY, MI 48098 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $59K | — | $59K | 13.23% |
| CORNERSTONE BENEFITS LLC3 Filed as: CORNERSTONE BENEFITS-FRANK MAYER | 5435 CORPORATE DR STE 220 TROY, MI 48098 | DELTA DENTAL OF MICHIGAN | $25K | — | $25K | 7.14% |
| FRANK J MAYER3 | 27750 STANSBURY #100 FARMINGTON HILLS, MI 48334 | BLUE CARE NETWORK OF MICHIGAN | $5K | — | $5K | 3.22% |
| INSURANCE CONSULTING ASSOCIATES LLC3 | 30600 NORTHWESTERN HWY STE 200 FARMINGTON HILLS, MI 48334 | BLUE CARE NETWORK OF MICHIGAN | $0 | $104 | $104 | 0.07% |
| CORNERSTONE BENEFITS LLC3 | STE 250 1450 W LONG LAKE TROY, MI 48098 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 15.00% |
| CORNERSTONE BENEFITS LLC3 | STE 250 1450 W LONG LAKE TROY, MI 48098 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.00% |
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 | 283 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 283 | 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 | 753 | $4.9M |
| Dental | DELTA DENTAL OF MICHIGAN | 776 | $345K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 753 | $4.8M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 321 | $537K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 321 | $444K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 321 | $444K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 753 | $4.9M |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 321 | $560K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 776 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.