| 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 | $9K | $67K | $77K | 3.09% |
| APEX FINANCIAL SERVICES3 Filed as: APEX FINANCIAL SERVICES INC | 27950 ORCHARD LAKE RD STE 111 FARMINGTON HILLS, MI 48334 | UNITEDHEALTHCARE INSURANCE COMPANY | $23K | — | $23K | 5.58% |
| GRIFFIN, STEVEN, RAY3 | 2000 MORRIS AVE STE 1400 BIRMINGHAM, AL 35203 | PROVIDENT LIFE AND ACCIDENT COMPANY | $1K | — | $1K | 2.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2600 S TELEGRAPH RD. STE 100 BLOOMFIELD HILLS, MI 48302 | PROVIDENT LIFE AND ACCIDENT COMPANY | $545 | — | $545 | 1.01% |
| SMITH, THOMAS, CHRISTOPHER3 | 798 BERRY RD NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT COMPANY | $268 | — | $268 | 0.50% |
| TITAN BENEFIT COMMUNICATIONS LLC3 Filed as: TITAN BENEFIT COMM LLC | 504 EAST 4TH ST. ROYAL OAK, MI 48067 | PROVIDENT LIFE AND ACCIDENT COMPANY | $212 | — | $212 | 0.39% |
| DWI BENEFITS TECHNOLOGIES3 | 101200 E. TAFT AVE SAPULPA, OK 74066 | PROVIDENT LIFE AND ACCIDENT COMPANY | $206 | — | $206 | 0.38% |
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 | 614 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 623 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 769 | $2.5M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 769 | $2.5M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 769 | $2.5M |
| Life insurance(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 3,537 | $458K |
| Short-term disability(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 3,537 | $458K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 3,537 | $404K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 3,537 | $458K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,537 | — |
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.