| 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 | $33K | — | $33K | 4.68% |
| PAUL KAHLER3 | 25900 W. 11 MILE RD, STE 210 SOUTHFIELD, MI 48034 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $32K | — | $32K | 4.53% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MICHIGAN LLC | 25900 W 11 MILE RD STE 210 SOUTHFIELD, MI 48034 | SUN LIFE ASSURANCE COMPANY OF CANADA | $22K | — | $22K | 8.00% |
| MGIS3 | 111 SOUTH MAIN STREET, STE 400 SALT LAKE CITY, UT 84111 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $165 | $165 | 0.06% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MICHIGAN LLC | 25900 W 11 MILE RD STE 210 SOUTHFIELD, MI 48034 | STARMOUNT LIFE INSURANCE COMPANY | $12K | $2K | $14K | 11.40% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MICHIGAN LLC | 25900 W 11 MILE RD STE 210 SOUTHFIELD, MI 48034 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 8.00% |
| MGIS3 | 111 SOUTH MAIN STREET, STE 400 SALT LAKE CITY, UT 84111 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $165 | $165 | 0.65% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MICHIGAN LLC | 25900 W 11 MILE RD STE 210 SOUTHFIELD, MI 48034 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 7.00% |
| MGIS3 | 111 SOUTH MAIN STREET, STE 400 SALT LAKE CITY, UT 84111 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $165 | $165 | 0.82% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MICHIGAN LLC | 25900 W 11 MILE RD STE 210 SOUTHFIELD, MI 48034 | SUN LIFE ASSURANCE COMPANY OF CANADA | $704 | — | $704 | 7.00% |
| MGIS3 | 111 SOUTH MAIN STREET, STE 400 SALT LAKE CITY, UT 84111 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $165 | $165 | 1.64% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MICHIGAN LLC | 25900 W 11 MILE RD STE 210 SOUTHFIELD, MI 48034 | UNUM INSURANCE COMPANY | $768 | $190 | $958 | 12.50% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MICHIGAN LLC | 25900 W 11 MILE RD STE 210 SOUTHFIELD, MI 48034 | UNUM INSURANCE COMPANY | $553 | $138 | $691 | 12.51% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MICHIGAN LLC | 25900 W 11 MILE RD STE 210 SOUTHFIELD, MI 48034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $947 | — | $947 | 17.27% |
| PETER KREHER3 | 901 WILSHIRE DR STE 300 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $150 | — | $150 | 2.74% |
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 | 296 | 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) | 296 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 154 | $1.4M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 149 | $121K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 149 | $121K |
| Life insurance(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 206 | $30K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 48 | $33K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 189 | $269K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 154 | $1.4M |
| Other(2 contracts, 2 carriers) | UNUM INSURANCE COMPANY | 44 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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.