| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAUL KAHLER3 | 25900 W. 11 MILE RD, STE 210 SOUTHFIELD, MI 48034 | BLUE CARE NETWORK OF MICHIGAN | $17K | — | $17K | 3.94% |
| ACTION BENEFITS COMPANY3 | 26533 EVERGREEN RD, STE 400 SOUTHFIELD, MI 48076 | BLUE CARE NETWORK OF MICHIGAN | $2K | — | $2K | 0.47% |
| PAUL KAHLER3 | 25900 W. 11 MILE RD, STE 210 SOUTHFIELD, MI 48034 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $16K | — | $16K | 4.23% |
| ACTION BENEFITS COMPANY3 | 26533 EVERGREEN RD, STE 400 SOUTHFIELD, MI 48076 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $4K | — | $4K | 0.99% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MICHIGAN LLC | 25900 W 11 MILE RD STE 210 SOUTHFIELD, MI 48034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $2K | $9K | 4.77% |
| J.S. CLARK AGENCY, INC.3 Filed as: JS CLARK AGENCY, INC | 25900 W 11 MILE RD STE 210 SOUTHFIELD, MI 48034 | DELTA DENTAL OF MICHIGAN | $5K | $6K | $11K | 20.70% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MICHIGAN LLC | 25900 W 11 MILE RD STE 210 SOUTHFIELD, MI 48034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $673 | $6K | 16.54% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MICHIGAN LLC | 25900 W 11 MILE RD STE 210 SOUTHFIELD, MI 48034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $318 | $5K | 16.06% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MICHIGAN LLC | 25900 W 11 MILE RD STE 210 SOUTHFIELD, MI 48034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $135 | $2K | 16.08% |
| J.S. CLARK AGENCY, INC.3 Filed as: JS CLARK AGENCY, INC | 25900 WEST ELEVEN MILE RD STE 210 SOUTHFIELD, MI 48034 | NGL | $913 | — | $913 | 10.00% |
| PETER KREHER3 | 901 WILSHIRE DR STE 300 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 21.81% |
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 | 163 | 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) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 117 | $805K |
| Dental | DELTA DENTAL OF MICHIGAN | 247 | $53K |
| Vision | NGL | 126 | $9K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 237 | $202K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 237 | $220K |
| Long-term disability(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 237 | $253K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 117 | $805K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 6 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 247 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.