| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MICHIGAN LLC | 3099 BIDDLE AVENUE WYANDOTTE, MI 48192 | HEALTH ALLIANCE PLAN | $22K | — | $22K | 4.36% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MICHIGAN LLC | 25900 W 11 MILE ROAD, SUITE 210 SOUTHFIELD, MI 48034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24K | $3K | $27K | 11.12% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MICHIGAN LLC | 25900 W 11 MILE ROAD, SUITE 210 SOUTHFIELD, MI 48034 | STARMOUNT LIFE INSURANCE COMPANY | $24K | $3K | $27K | 11.46% |
| UNKNOWN4 | UNKNOWN TROY, MI 48084 | PRE-PAID LEGAL SERVICES DBA LEGALSHIELD | $1K | — | $1K | 7.75% |
| UNKNOWN4 | UNKNOWN TROY, MI 48084 | PRE-PAID LEGAL SERVICES DBA LEGALSHIELD | $777 | — | $777 | 4.74% |
| J.S. CLARK AGENCY, INC.3 Filed as: JS CLARK AGENCY, INC | 25900 W. 11 MILE ROAD, SUITE 210 SOUTHFIELD, MI 48034 | FOUR EVER LIFE INSURANCE COMPANY | $632 | — | $632 | 15.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MICHIGAN, LLC | 3099 BIDDLE AVENUE WYANDOTTE, MI 48192 | HARTFORD LIFE AND ACCIDENT INSURANCE CO. | $319 | $0 | $319 | 15.01% |
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 | 313 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 315 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH ALLIANCE PLAN | 315 | $500K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 242 | $237K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 242 | $237K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 289 | $245K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 289 | $245K |
| Prescription drug | HEALTH ALLIANCE PLAN | 58 | $496K |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 315 | $276K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 315 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.