| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KAI MASON-MCBRIDE LLC3 | 3155 WEST BIG BEAVER ROAD SUITE 125 TROY, MI 48084 | HEALTH ALLIANCE PLAN | $22K | — | $22K | 5.10% |
| KAI MASON-MCBRIDE LLC3 | 3155 WEST BIG BEAVER ROAD SUITE 125 TROY, MI 48084 | ALLIANCE HEALTH & LIFE INSURANCE PLAN | $22K | — | $22K | 5.17% |
| KAI MASON-MCBRIDE LLC3 Filed as: KAI MASON-MCBRIDE LLC-AMY PURCILLY | 3155 WEST BIG BEAVER ROAD SUITE 125 TROY, MI 48084 | DELTA DENTAL OF MICHIGAN | $7K | — | $7K | 9.15% |
| MASON-MCBRIDE INC3 Filed as: MASON-MCBRIDE, INC. | 3155 WEST BIG BEAVER ROAD SUITE 125 TROY, MI 48084 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 10.42% |
| MASON-MCBRIDE INC3 Filed as: MASON-MCBRIDE, INC. | 3155 WEST BIG BEAVER ROAD SUITE 125 TROY, MI 48084 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 14.77% |
| MASON-MCBRIDE INC3 Filed as: MASON-MCBRIDE, INC. | 3155 WEST BIG BEAVER ROAD SUITE 125 TROY, MI 48084 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| KAI MASON-MCBRIDE LLC3 Filed as: KAI MASON-MCBRIDE, LLC | 3155 WEST BIG BEAVER ROAD SUITE 125 TROY, MI 48084 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 9.90% |
| MASON-MCBRIDE INC3 Filed as: MASON-MCBRIDE, INC. | 3155 WEST BIG BEAVER ROAD SUITE 125 TROY, MI 48084 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $572 | — | $572 | 10.01% |
| MASON-MCBRIDE INC3 Filed as: MASON-MCBRIDE, INC. | 3155 WEST BIG BEAVER ROAD SUITE 125 TROY, MI 48084 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $824 | — | $824 | 15.00% |
| MASON-MCBRIDE INC3 Filed as: MASON-MCBRIDE, INC. | 3155 WEST BIG BEAVER ROAD SUITE 125 TROY, MI 48084 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $341 | — | $341 | 10.01% |
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 | 132 | 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) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH ALLIANCE PLAN | 96 | $865K |
| Dental | DELTA DENTAL OF MICHIGAN | 174 | $71K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 181 | $11K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 127 | $39K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 67 | $29K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 46 | $36K |
| Other(5 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 127 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181 | — |
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.