| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAMMING, KEVIN3 | 43370 MOUND ROAD STERLING HEIGHTS, MI 48314 | PRIORITY HEALTH INSURANCE COMPANY | $56K | — | $56K | 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 | $6K | — | $6K | 3.66% |
| BRSI EMPLOYEE BENEFIT SOLUTIONS LLC3 | 43370 MOUND ROAD STERLING HEIGHTS, MI 48314 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $754 | $5K | 11.98% |
| BRSI EMPLOYEE BENEFIT SOLUTIONS LLC3 | 43370 MOUND ROAD STERLING HEIGHTS, MI 48314 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $715 | $4K | 11.93% |
| BRSI EMPLOYEE BENEFIT SOLUTIONS LLC3 | 43370 MOUND ROAD STERLING HEIGHTS, MI 48314 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $530 | $3K | 11.99% |
| BRSI EMPLOYEE BENEFIT SOLUTIONS LLC3 Filed as: BRSI EMPLOYEE BENEFIT SOLUTIONS | 43370 MOUND ROAD STERLING HEIGHTS, MI 48314 | VISION SERVICE PLAN | $1K | — | $1K | 5.16% |
| BRSI EMPLOYEE BENEFIT SOLUTIONS LLC3 | 43770 MOUND ROAD STERLING HEIGHTS, MI 48314 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $356 | $2K | 12.01% |
| BRSI EMPLOYEE BENEFIT SOLUTIONS LLC3 | 43370 MOUND ROAD STERLING HEIGHTS, MI 48314 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $830 | $138 | $968 | 11.67% |
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 | 183 | 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) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH INSURANCE COMPANY | 389 | $2.5M |
| Dental | DELTA DENTAL OF MICHIGAN | 405 | $161K |
| Vision | VISION SERVICE PLAN | 154 | $21K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 185 | $56K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 133 | $45K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 169 | $27K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 185 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 405 | — |
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.