| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JULIE CAPE3 | 200 GALLERIA PARKWAY SUITE 1950 03 ATLANTA, GA 30339 | BLUE CARE NETWORK OF MICHIGAN | $2K | — | $2K | 1.86% |
| ADAM BRUCKMAN3 Filed as: ADAM D BRUCKMAN | 200 GALLERIA PARKWAY S-1950 ATLANTA, GA 30339 | BLUE CARE NETWORK OF MICHIGAN | $1K | — | $1K | 1.29% |
| ACTION BENEFITS COMPANY3 | 26533 EVERGREEN RD SUITE 400 SOUTHFIELD, MI 48076 | BLUE CARE NETWORK OF MICHIGAN | $948 | — | $948 | 1.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER RD SUITE 200 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $475 | — | $475 | 0.52% |
| CLIFTON HORNE3 Filed as: CLIFTON J JR LAURENT | — | BLUE CARE NETWORK OF MICHIGAN | $453 | — | $453 | 0.49% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $595 | $4K | 12.48% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER RD SUITE 200 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $975 | $130 | $1K | 3.16% |
| INSUREYOURPEOPLE, LLC3 | 40 E RIO SALADO PKWY SUITE 900 TEMPE, AZ 85281 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $977 | — | $977 | 2.80% |
| BYRD, STEVEN P3 | 924 ANACAPA ST SUITE 2T SANTA BARBARA, CA 93101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $161 | — | $161 | 4.26% |
| BYRD, STEVEN P3 | 924 ANACAPA ST SUITE 2T SANTA BARBARA, CA 93101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $238 | — | $238 | 7.86% |
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 | 107 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 24 | $92K |
| Vision | BLUE CARE NETWORK OF MICHIGAN | 24 | $92K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 107 | $35K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 5 | $4K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 107 | $35K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 24 | $92K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 107 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 107 | — |
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.