| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRANK J MAYER3 | 30600 NORTHWESTERN HWY SUITE 200 FARMINGTON HILLS, MI 48334 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $132K | — | $132K | 2.21% |
| INSURANCE CONSULTING ASSOCIATES LLC3 | 30600 NORTHWESTERN HWY SUITE 200 FARMINGTON HILLS, MI 48334 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $5K | $5K | 0.08% |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSOCIATE | STE 100 27750 STANSBURY FARMINGTON HILLS, MI 48334 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $77K | $8K | $85K | 13.23% |
| CORNERSTONE BENEFITS LLC3 Filed as: CORNERSTONE BENEFITS-FRANK MAYER | 5435 CORPORATE DR STE 220 TROY, MI 48098 | DELTA DENTAL OF MICHIGAN | $24K | — | $24K | 5.42% |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSOCIAES | 30600 NORTHWESTERN HWY STE 200 FARMINGTON HILLS, MI 48334 | DELTA DENTAL OF MICHIGAN | $8K | — | $8K | 1.89% |
| FRANK J MAYER3 | 30600 NORTHWESTERN HWY SUITE 200 FARMINGTON HILLS, MI 48334 | BLUE CARE NETWORK OF MICHIGAN | $5K | — | $5K | 2.03% |
| INSURANCE CONSULTING ASSOCIATES LLC3 | 30600 NORTHWESTERN HWY STE 200 FARMINGTON HILLS, MI 48334 | BLUE CARE NETWORK OF MICHIGAN | $0 | $318 | $318 | 0.12% |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSOCIATE | SUITE 100 27750 STANSBURY FARMINGTON HILLS, MI 48334 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | $2K | $24K | 16.25% |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSOCIATE | STE 100 27750 STANSBURY FARMINGTON HILLS, MI 48334 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 15.04% |
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 | 393 | 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) | 393 | 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 | 924 | $6.2M |
| Dental | DELTA DENTAL OF MICHIGAN | 954 | $439K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 924 | $6.0M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 394 | $787K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 394 | $643K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 394 | $643K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 924 | $6.2M |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 394 | $820K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 954 | — |
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.