| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VITO J. IACONA3 | 46341 PALMER DRIVE SHELBY TOWNSHIP, MI 48315 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $74K | $2K | $76K | 3.92% |
| ACTION BENEFITS COMPANY3 | 24600 NORTHWESTERN SOUTHFIELD, MI 48075 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $19K | $0 | $19K | 0.98% |
| VITO J. IACONA3 | 46341 PALMER DRIVE SHELBY TOWNSHIP, MI 48315 | DELTA DENTAL OF MICHIGAN | $6K | $0 | $6K | 4.67% |
| VITO J. IACONA3 | 46341 PALMER DRIVE SHELBY TOWNSHIP, MI 48315 | COMPANION LIFE INSURANCE COMPANY | $8K | $0 | $8K | 12.84% |
| PROF. LIFE UNDERWRITERS SERVICES3 | 2155 BUTTERFIELD, SUITE 102 SOUTH TROY, MI 48084 | COMPANION LIFE INSURANCE COMPANY | $4K | $0 | $4K | 6.42% |
| UNKNOWN3 | UNKNOWN NEW BALTIMORE, MI 48047 | COMPANION LIFE INSURANCE COMPANY | $0 | $21 | $21 | 0.03% |
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 | 114 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 294 | $1.9M |
| Dental | DELTA DENTAL OF MICHIGAN | 283 | $127K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 114 | $61K |
| Short-term disability | COMPANION LIFE INSURANCE COMPANY | 114 | $61K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 294 | $1.9M |
| Other | COMPANION LIFE INSURANCE COMPANY | 114 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 294 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.