| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHANDOR INSURANCE AGENCY LLC3 | 177 MILK STREET 3RD FLOOR BOSTON, MA 02109 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $106K | — | $106K | 3.43% |
| EUGENE SMITH3 | ALLIANT INSURANCE 353 N CLARK ST FL 11 CHICAGO, IL 606540654 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $15K | — | $15K | 0.50% |
| CHANDOR INSURANCE AGENCY LLC3 | 177 MILK STREET SUITE 310 BOSTON, MA 02109 | DELTA DENTAL OF MICHIGAN | $7K | — | $7K | 3.19% |
| ALLIANT INSURANCE SERVICES, INC.3 | 353 N CLARK ST FL 10 CHICAGO, IL 60654 | DELTA DENTAL OF MICHIGAN | $993 | — | $993 | 0.47% |
| CHANDOR INSURANCE AGENCY LLC3 | 177 MILK STREET SUITE 310 BOSTON, MA 02109 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 5.39% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | ATTN ERICA MENDEZ 701 B ST STE 600 SAN DIEGO, CA 92101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $582 | $2K | 1.12% |
| CHANDOR INSURANCE AGENCY LLC3 | 177 MILK STREET SUITE 310 BOSTON, MA 02109 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 13.06% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | ATTN ERICA MENDEZ 701 B ST STE 600 SAN DIEGO, CA 92101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $929 | $124 | $1K | 2.50% |
| CHANDOR INSURANCE AGENCY LLC3 | 177 MILK STREET 3RD FLOOR BOSTON, MA 02019 | EYEMED | $3K | — | $3K | 7.79% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | EYEMED | $798 | — | $798 | 2.08% |
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 | 262 | 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) | 265 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 537 | $3.1M |
| Dental | DELTA DENTAL OF MICHIGAN | 528 | $210K |
| Vision | EYEMED | 442 | $38K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 262 | $250K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 262 | $208K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 262 | $208K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 537 | $3.1M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 262 | $250K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.