| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEVIN HAMMING3 | 43370 MOUND ROAD STERLING HEIGHTS, MI 48314 | PRIORITY HEALTH INSURANCE COMPANY | $53K | — | $53K | 2.25% |
| BRSI EMPLOYEE BENEFIT SOLUTIONS LLC3 Filed as: BRSI EMPLOYEE BENEFIT SOLUTIONS, LL | 43370 MOUND ROAD STERLING HEIGHTS, MI 48314 | DELTA DENTAL OF MICHIGAN | $7K | — | $7K | 4.45% |
| BRSI EMPLOYEE BENEFIT SOLUTIONS LLC3 Filed as: BRSI EMPLOYEE BENEFIT SOLUTIONS, LL | 43370 MOUND ROAD STERLING HEIGHTS, MI 48314 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 13.97% |
| BRSI EMPLOYEE BENEFIT SOLUTIONS LLC3 Filed as: BRSI EMPLOYEE BENEFIT SOLUTIONS, LL | 43370 MOUND ROAD STERLING HEIGHTS, MI 48314 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 14.33% |
| BRSI EMPLOYEE BENEFIT SOLUTIONS LLC3 Filed as: BRSI EMPLOYEE BENEFIT SOLUTIONS, LL | 43370 MOUND ROAD STERLING HEIGHTS, MI 48314 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 14.44% |
| BRSI EMPLOYEE BENEFIT SOLUTIONS LLC3 Filed as: BRSI EMPLOYEE BENEFIT SOLUTIONS | 43370 MOUND ROAD STERLING HEIGHTS, MI 48314 | VISION SERVICE PLAN | $1K | — | $1K | 5.57% |
| BRSI EMPLOYEE BENEFIT SOLUTIONS LLC3 Filed as: BRSI EMPLOYEE BENEFIT SOLUTIONS, LL | 43770 MOUND ROAD STERLING HEIGHTS, MI 48314 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $799 | $3K | 14.63% |
| BRSI EMPLOYEE BENEFIT SOLUTIONS LLC3 Filed as: BRSI EMPLOYEE BENEFIT SOLUTIONS, LL | 43370 MOUND ROAD STERLING HEIGHTS, MI 48314 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $373 | $2K | 12.85% |
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 | 168 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH INSURANCE COMPANY | 370 | $2.3M |
| Dental | DELTA DENTAL OF MICHIGAN | 390 | $153K |
| Vision | VISION SERVICE PLAN | 140 | $20K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 168 | $60K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 131 | $52K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 166 | $27K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 168 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 390 | — |
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.