| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| APEX FINANCIAL SERVICES3 Filed as: APEX FINANCIAL SERVICES INC | 27950 ORCHARD LAKE RD. STE 111 FARMINGTON HILLS, MI 48334 | UNITEDHEALTHCARE INSURANCE COMPANY | $21K | $58K | $79K | 3.62% |
| APEX FINANCIAL SERVICES3 Filed as: APEX FINANCIAL SERVICES INC | 27950 ORCHARD LADE RD STE 111 FARMINGTON HILLS, MI 483343758 | UNITEDHEALTHCARE INSURANCE COMPANY | $18K | — | $18K | 4.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2600 S TELEGRAPH RD. STE 100 BLOOMFIELD HILLS, MI 48302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 3.03% |
| SMITH, THOMAS, CHRISTOPHER3 | 2928 FOSTER CREIGHTON DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 3.01% |
| GRIFFIN, STEVEN, RAY | 2000 MORRIS AVE STE 1400 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $288 | — | $288 | 0.25% |
| PIERCE, DWIGHT, L Filed as: PIERCE,DWIGHT BENEFITS TECHNOLOGIES | 1200 E. TAFT AVE DIV 10 SAPULPA, OK 74066 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $35 | — | $35 | 0.03% |
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 | 3,700 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,714 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 603 | $2.2M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 603 | $2.2M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 603 | $2.2M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 3,097 | $427K |
| Short-term disability(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 3,097 | $542K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 3,097 | $427K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 3,097 | $542K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,097 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.