| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHELLE SCAGLIONE3 | 1333515 MILE RD STE 281 STERLING HEIGHTS, MI 48312 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $48K | $4K | $53K | 1.51% |
| MATTHEW LEE3 | 3625 CUMBERLAND BLVD SE STE 11 ATLANTA, GA 30339 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $46K | — | $46K | 1.33% |
| SCAGLIONE ASSOCIATES3 | 13335 15 MILE RD SUITE 281 STERLING HEIGHTS, MI 48312 | UNITED HEALTH CARE | — | $235K | $235K | 6.79% |
| SCAGLIONE ASSOCIATES3 | 13335 15 MILE RD SUITE 281 STERLING HEIGHTS, MI 48312 | METROPLOITAN LIFE INSURANCE | $50K | — | $50K | 4.08% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS | PO BOX 62886 CINCINNATI, OH 45263 | METROPLOITAN LIFE INSURANCE | $46K | $3K | $49K | 4.02% |
| SCAGLIONE ASSOCIATES3 | 13335 15 MILE RD SUITE 281 STERLING HEIGHTS, MI 48312 | BLUE CARE NETWORK OF MICHIGAN | $16K | $2K | $18K | 1.46% |
| MATTHEW LEE3 | 3625 CUMBERLAND BLVD 11 ATLANTA, GA 30339 | BLUE CARE NETWORK OF MICHIGAN | $15K | — | $15K | 1.25% |
| SCAGLIONE ASSOCIATES3 | 13335 15 MILE RD STE 281 STERLING HEIGHTS, MI 48312 | BLUE CROSS BLUE SHIELD OF FLORIDA | $18K | — | $18K | 3.00% |
| SCAGLIONE ASSOCIATES3 | 13335 15 MILED RD SUITE 281 STERLING HEIGHTS, MI 48312 | BLUE CROSS BLUE SHIELD OF FLORIDA | $5K | — | $5K | 3.00% |
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 | 3,730 | 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) | 3,730 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 737 | $8.8M |
| Dental(2 contracts, 2 carriers) | METROPLOITAN LIFE INSURANCE | 2,302 | $1.2M |
| Vision | METROPLOITAN LIFE INSURANCE | 2,302 | $1.2M |
| Life insurance | METROPLOITAN LIFE INSURANCE | 2,302 | $1.2M |
| Short-term disability | METROPLOITAN LIFE INSURANCE | 2,302 | $1.2M |
| Long-term disability | METROPLOITAN LIFE INSURANCE | 2,302 | $1.2M |
| Prescription drug(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 737 | $4.9M |
| Other | METROPLOITAN LIFE INSURANCE | 2,302 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,302 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.