| 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 | $24K | — | $24K | 0.31% |
| APEX FINANCIAL SERVICES3 Filed as: APEX FINANCIAL SERVICES INC | 27950 ORCHARD LAKE RD. STE 111 FARMINGTON HILLS, MI 48334 | UNITEDHEALTHCARE INSURANCE COMPANY | $16K | — | $16K | 1.72% |
| 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 | $2K | — | $2K | 2.10% |
| SMITH, THOMAS, CHRISTOPHER3 | 798 BERRY RD NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.08% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTL MIDWEST LIMITED | 1591 GALBRAITH AVE SE GRAND RAPIDS, MI 49546 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $955 | — | $955 | 1.28% |
| GRIFFIN, STEVEN, RAY3 | 2000 MORRIS AVE STE 1400 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $218 | — | $218 | 0.29% |
| PIERCE, DWIGHT, L3 Filed as: PIERCE, DWIGHT BENEFITS TECH | 1200 E. TAFT AVE SAPULPA, OK 74066 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24 | — | $24 | 0.03% |
| GRIFFIN, STEVEN, RAY3 | 2000 MORRIS AVE STE 1400 BIRMINGHAM, AL 35203 | PROVIDENT LIFE AND ACCIDENT COMPANY | $963 | — | $963 | 2.32% |
| 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 | $412 | — | $412 | 0.99% |
| SMITH, THOMAS, CHRISTOPHER3 | 798 BERRY RD NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT COMPANY | $205 | — | $205 | 0.49% |
| TITAN BENEFIT COMMUNICATIONS LLC3 Filed as: TITAN BENEFIT COMM LLC | 504 EAST 4TH ST. ROYAL OAK, MI 48067 | PROVIDENT LIFE AND ACCIDENT COMPANY | $184 | — | $184 | 0.44% |
| PIERCE, DWIGHT, L3 Filed as: PIERCE, DWIGHT BENEFITS TECH | 1200 E. TAFT AVE SAPULPA, OK 74066 | PROVIDENT LIFE AND ACCIDENT COMPANY | $129 | — | $129 | 0.31% |
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 | 1,255 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,268 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 985 | $925K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 985 | $925K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 985 | $925K |
| Life insurance(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,255 | $7.9M |
| Short-term disability(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,255 | $7.9M |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 1,255 | $7.8M |
| Other(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,255 | $8.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,255 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.