| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MATTHEW LEE3 | 300 W 10TH STREET WEST POINT, GA 303390339 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | — | $0 | 0.00% |
| MICHELLE SCAGLIONE3 | 13335 MILE RD STE 281 STERLING HEIGHTS, MI 483124210 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | — | $0 | 0.00% |
| MATTHEW LEE3 | 360 W 10TH STREET WEST POINT, GA 303390339 | BLUE CARE NETWORK OF MICHIGAN | $76K | — | $76K | 1.64% |
| MICHELLE SCAGLIONE3 | 13335 15 MILE RD SUITE 281 STERLING HEIGHTS, MI 48312 | BLUE CARE NETWORK OF MICHIGAN | $76K | — | $76K | 1.64% |
| MATTHEW LEE3 | 360 W 10TH STREET WEST POINT, GA 303390339 | BLUE CARE NETWORK OF MICHIGAN | $37K | — | $37K | 0.81% |
| MICHELLE SCAGLIONE3 | 13335 15 MILE RD SUITE 281 STERLING HEIGHTS, MI 48312 | BLUE CARE NETWORK OF MICHIGAN | $37K | — | $37K | 0.81% |
| SCAGLIONE ASSOCIATES3 Filed as: SCAGLIONE ASSOC FINANCIAL ENTERPRIS | 13335 15 MILE RD STE 281 STERLING HEIGHTS, MI 483124210 | UNITED HEALTH CARE | $56K | — | $56K | 2.70% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 70 WEST POINT, GA 318330070 | UNITED HEALTH CARE | $56K | — | $56K | 2.70% |
| MARSH & MCLENNAN AGENCY LLC3 | 3209 SOUTH CHEROKEE LANE SUITE 510 WOODSTOCK, GA 30188 | GUARDIAN LIFE | $94K | — | $94K | 7.91% |
| MICHELLE F SCAGLIONE3 | 7700 MARBLE COURT WASHINGTON, MI 48094 | GUARDIAN LIFE | $94K | — | $94K | 7.91% |
| THOMPSON RISK II, LLC Filed as: THOMPSON RISK II LLC | 2575 NORTHBROOKE PLAZA DRIVE UNIT 204 NAPLES, FL 34119 | GUARDIAN LIFE | $34K | — | $34K | 2.83% |
| PHRI LLC3 | 35 PARKWOOD DRIVE SUITE 200 HOPKINTON, MA 01748 | GUARDIAN LIFE | $2K | — | $2K | 0.17% |
| LIFETIME FINANCIAL GROWTH OF MI3 | 29800 TELEGRAPH ROAD SOUTHFIELD, MI 48034 | GUARDIAN LIFE | $580 | — | $580 | 0.05% |
| MARSH & MCLENNAN AGENCY LLC3 | 3209 SOUTH CHEROKEE LANE SUITE 510 WOODSTOCK, GA 30188 | GUARDIAN LIFE | $155K | — | $155K | — |
| MICHELLE F SCAGLIONE3 Filed as: MICHELLE F. SCAGLIONE | 7700 MARBLE COURT WASHINGTON, MI 48094 | GUARDIAN LIFE | $155K | — | $155K | — |
| THOMPSON RISK II, LLC | 2575 NORTHBROOKE PLAZA DRIVE UNIT 204 NAPLES, FL 34119 | GUARDIAN LIFE | $77K | — | $77K | — |
| PHRI LLC3 | 35 PARKWOOD DRIVE SUITE 200 HOPKINTON, MA 01748 | GUARDIAN LIFE | $6K | — | $6K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| STAFF BENEFITS MANAGEMENT INC EIN 81-1242192 THIRD PARTY ADMINISTRATOR | Plan Administrator Service code 14 | — | $0 |
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 | 7,295 | 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) | 7,295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,067 | $14.6M |
| Dental | GUARDIAN LIFE | 3,514 | $0 |
| Vision | GUARDIAN LIFE | 3,514 | $0 |
| Life insurance | GUARDIAN LIFE | 3,514 | $0 |
| Short-term disability | GUARDIAN LIFE | 1,198 | $1.2M |
| Long-term disability | GUARDIAN LIFE | 1,198 | $1.2M |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,067 | $12.6M |
| Other(2 contracts) | GUARDIAN LIFE | 3,514 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,514 | — |
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.