| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ERIC GAINES3 | 1400 E. MICHIGAN AVENUE LANSING, MI 48912 | PHP INSURANCE COMPANY | $26 | — | $26 | 0.01% |
| ALLIANCE BROKERAGE CORP3 | 990 WESTBURY ROAD WESTBURY, NY 11590 | FEDERAL INSURANCE COMPANY | $608 | — | $608 | 15.01% |
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 | 375 | 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) | 376 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MVP HEALTH CARE | 29 | $454K |
| Dental | AETNA LIFE INSURANCE CO. | 673 | $243K |
| Vision | VISION SERVICE PLAN | 240 | $33K |
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 358 | $116K |
| Short-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 115 | $28K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 359 | $63K |
| Other(2 contracts, 2 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 358 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 673 | — |
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.