| 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 | $140K | — | $140K | 2.74% |
| INSURANCE CONSULTING ASSOCIATES LLC3 | 27750 STANSBURY BLVD STE 100 FARMINGTON HILLS, MI 48334 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $3K | $3K | 0.06% |
| CORNERSTONE BENEFITS LLC3 | STE 250 1450 W LONG LAKE TROY, MI 48098 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $63K | — | $63K | 11.28% |
| CORNERSTONE BENEFITS LLC3 Filed as: CORNERSTONE BENEFITS-FRANK MAYER | 5435 CORPORATE DR STE 220 TROY, MI 48098 | DELTA DENTAL OF MICHIGAN | $29K | — | $29K | 7.89% |
| FRANK J MAYER3 | 27750 STANSBURY #100 FARMINGTON HILLS, MI 48334 | BLUE CARE NETWORK OF MICHIGAN | $7K | — | $7K | 3.09% |
| INSURANCE CONSULTING ASSOCIATES LLC3 | 27750 STANSBURY BLVD STE 100 FARMINGTON HILLS, MI 48334 | BLUE CARE NETWORK OF MICHIGAN | $0 | $204 | $204 | 0.09% |
| CORNERSTONE BENEFITS LLC3 | STE 250 1450 W LONG LAKE TROY, MI 48098 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | — | $19K | 13.77% |
| CORNERSTONE BENEFITS LLC3 | STE 250 1450 W LONG LAKE TROY, MI 48098 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 14.94% |
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 | 354 | 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) | 354 | 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 | 826 | $5.3M |
| Dental | DELTA DENTAL OF MICHIGAN | 868 | $368K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 826 | $5.1M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 355 | $697K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 355 | $562K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 355 | $562K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 826 | $5.3M |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 355 | $721K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 868 | — |
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."
No prospect flags tripped on this filing.