| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEVIN HAMMING3 Filed as: KEVIN A HAMMING | 43370 MOUND RD STERLING HEIGHTS, MI 48314 | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | $57K | — | $57K | 2.98% |
| BRSI EMPLOYEE BENEFIT SOLUTIONS LLC3 | 43370 MOUND RD STERLING HEIGHTS, MI 48314 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
| BRSI EMPLOYEE BENEFIT SOLUTIONS LLC3 Filed as: BRSI EMPLOYEE BNFT SLTNS LLC | 43370 MOUND RD STERLING HEIGHTS, MI 48314 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| BRSI EMPLOYEE BENEFIT SOLUTIONS LLC3 | 43370 MOUND RD STERLING HEIGHTS, MI 48314 | VISION SERVICE PLAN | $1K | — | $1K | 5.05% |
| BRSI EMPLOYEE BENEFIT SOLUTIONS LLC3 Filed as: BRSI EMPLOYEE BNFT SLTNS LLC | 43370 MOUND RD STERLING HEIGHTS, MI 48314 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $786 | — | $786 | 10.00% |
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 | 104 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | 103 | $1.9M |
| Dental | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 195 | $51K |
| Vision | VISION SERVICE PLAN | 101 | $25K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 104 | $8K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 104 | $41K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 104 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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."
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.