| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ELAINE C. COFFMAN3 | 325 NORTH OLD WOODWARD AVENUE SUITE 370 BIRMINGHAM, MI 48009 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $1K | $0 | $1K | 0.08% |
| JOSHUA SIMERMAN3 | 11279 EAST CARIBBEAN LANE SCOTTSDALE, AZ 85255 | BLUE CROSS BLUE SHIELD OF MICHIGAN | -$9K | $0 | -$9K | -0.64% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES, LLC | 100 WOOD AVENUE SOUTH, 4TH FLOOR ISELIN, NJ 08830 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $45K | $0 | $45K | 10.79% |
| JOSHUA SIMERMAN3 | 11279 EAST CARIBBEAN LANE SCOTTSDALE, AZ 85255 | BLUE CARE NETWORK OF MICHIGAN | $1K | $0 | $1K | 0.34% |
| ELAINE C. COFFMAN3 | 325 NORTH OLD WOODWARD AVENUE SUITE 370 BIRMINGHAM, MI 48009 | BLUE CARE NETWORK OF MICHIGAN | $427 | $0 | $427 | 0.14% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES, LLC | 100 WOOD AVENUE SOUTH, 4TH FLOOR ISELIN, NJ 08830 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $17 | $15K | 6.15% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES, LLC | 100 WOOD AVENUE SOUTH, SUITE 400 ISELIN, NJ 08830 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 2.89% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES, LLC | 100 WOOD AVENUE SOUTH, 4TH FLOOR ISELIN, NJ 08830 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22K | — | $22K | 49.53% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | CONTINENTAL AMERICAN INSURANCE COMPANY | $51 | — | $51 | 0.12% |
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 | 583 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 583 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 649 | $1.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 425 | $251K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 425 | $251K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 583 | $415K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 583 | $415K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 583 | $415K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 649 | $1.7M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 583 | $459K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 649 | — |
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.