| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEVIN HAMMING3 Filed as: KEVIN A HAMMING | 43370 MOUND ROAD STERLING HEIGHTS, MI 48314 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $119K | $352 | $119K | 4.23% |
| BENEFIT REVIEW SERVICES INC3 | 43370 MOUND ROAD STERLING HEIGHTS, MI 48314 | DELTA DENTAL OF MICHIGAN | $11K | — | $11K | 4.98% |
| BRSI EMPLOYEE BENEFIT SOLUTIONS LLC3 | 43370 MOUND ROAD STERLING HEIGHTS, MI 48314 | VISION SERVICE PLAN | $627 | — | $627 | 2.89% |
| BENEFIT REVIEW SERVICES INC3 Filed as: BENEFIT REVIEW SOLUTIONS INC | 43370 MOUND ROAD STERLING HEIGHTS, MI 48314 | VISION SERVICE PLAN | $529 | — | $529 | 2.44% |
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 | 505 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 505 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 487 | $2.8M |
| Dental | DELTA DENTAL OF MICHIGAN | 505 | $221K |
| Vision | VISION SERVICE PLAN | 191 | $22K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 487 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 505 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.