| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ELAINE C. COFFMAN3 | 325 NORTH OLD WOODWARD AVENUE SUITE 370 BIRMINGHAM, MI 48009 | BLUE CARE NETWORK OF MICHIGAN | $45K | $0 | $45K | 2.26% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC. | 600 WOODWARD AVENUE SUITE 1900 DETROIT, MI 48226 | BLUE CARE NETWORK OF MICHIGAN | $0 | $10K | $10K | 0.50% |
| ELAINE C. COFFMAN3 | 325 NORTH OLD WOODWARD AVENUE SUITE 370 BIRMINGHAM, MI 48009 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $11K | $0 | $11K | 2.78% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC. | 600 WOODWARD AVENUE SUITE 1900 DETROIT, MI 48226 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $391 | $391 | 0.10% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC. | PO BOX 843844 KANSAS CITY, MO 64184 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $2K | $16K | 15.82% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC. | PO BOX 843844 KANSAS CITY, MO 64184 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $1K | $9K | 15.82% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC. | PO BOX 843844 KANSAS CITY, MO 64184 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $628 | $4K | 13.85% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC. | PO BOX 843844 KANSAS CITY, MO 64184 | UNUM INSURANCE COMPANY | $2K | $270 | $2K | 20.84% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP, LLC. | 400 WEST 4TH STREET SUITE 300 ROYAL OAK, MI 48067 | UNUM INSURANCE COMPANY | $33 | $12 | $45 | 0.44% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC. | PO BOX 843844 KANSAS CITY, MO 64184 | UNUM INSURANCE COMPANY | $411 | $55 | $466 | 17.02% |
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 | 272 | 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) | 274 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 397 | $2.4M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 397 | $400K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 397 | $400K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 179 | $87K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 218 | $134K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 218 | $134K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 397 | $2.4M |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 218 | $203K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 397 | — |
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."
No prospect flags tripped on this filing.