| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN EDWARD JR. HALPIN3 | 3000 TOWN CENTER STE 2900 03 SOUTHFIELD, MI 480751214 | BLUE CARE NETWORK OF MICHIGAN | $39K | — | $39K | 1.28% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - DETROIT | PO BOX 905494 CHARLOTTE, NC 28290 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $3K | $15K | 6.85% |
| JOHN EDWARD JR. HALPIN3 | 3000 TOWN CENTER STE 2900 03 SOUTHFIELD, MI 480751214 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $3K | — | $3K | 1.27% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - DETROIT | PO BOX 905494 CHARLOTTE, NC 28290 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $660 | $9K | 16.28% |
| AON CONSULTING INC3 Filed as: AON HEWITT - SOUTHFIELD, MI | 29840 NETWORK PLACE CHICAGO, IL 606731298 | FIDELITY SECURITY LIFE INSURANCE | $3K | — | $3K | 9.99% |
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 | 373 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 376 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 758 | $3.2M |
| Dental | DELTA DENTAL OF MICHIGAN | 840 | $277K |
| Vision | FIDELITY SECURITY LIFE INSURANCE | 797 | $31K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 320 | $269K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 320 | $217K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 320 | $217K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 758 | $3.2M |
| Other(3 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 758 | $3.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 840 | — |
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.