| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALTRUIS BENEFIT CONSULTING INC3 Filed as: ALTRUIS BENEFIT CONSULTING, LLC | 30600 TELEGRAPH ROAD, STE 1225 BINGHAM FARMS, MI 480255701 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | — | $13K | 4.97% |
| ALTRUIS BENEFIT CONSULTING INC3 Filed as: ALTRUIS BENEFIT CONSULTING, LLC | 30600 TELEGRAPH ROAD, STE 1225 BINGHAM FARMS, MI 48025 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.86% |
| FINANCIAL DESIGNS INC3 Filed as: FINANCIAL DESIGNS, INC. | 39500 HIGH POINTE BLVD, STE 400 NOVI, MI 483755517 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | — | $952 | $952 | 5.29% |
| DIRECT BENEFITS INC3 Filed as: DIRECT BENEFITS, INC. | 325 CEDAR ST, STE 800 SAINT PAUL, MN 551011015 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | — | $952 | $952 | 5.29% |
| ALTRUIS BENEFIT CONSULTING INC3 Filed as: ALTRUIS BENEFIT CONSULTING, LLC | 30600 TELEGRAPH ROAD BINGHAM FARMS, MI 48025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $159 | — | $159 | 7.43% |
| THOMAS DANIEL SCHMIDT3 | 21608 PINE CONE DRIVE MACOMB, MI 48042 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $129 | $11 | $140 | 6.54% |
| DIANNA LYNN ATCHISON3 | 15130 SNOWBERRY COURT SPRING LAKE, MI 49456 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | $5 | $73 | 3.41% |
| ROBIN T. PFEIFFER3 Filed as: ROBIN T PFEIFFER | 22258 WOODHENGE DRIVE MATTAWAN, MI 49071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | — | $50 | 2.34% |
| BRAD SCOFFIN3 | 7931 TS AVENUE EAST SCOTTS, MI 49088 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 1.64% |
| W F HILL AND ASSOCIATES INC3 | 600 WEST LAFAYETTE DETROIT, MI 48226 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $12 | $22 | 1.03% |
| MARY LOU TAYLOR3 | 1012 SUGARLOAF RESERVE DRIVE DULUTH, GA 30097 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.42% |
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 | 133 | 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) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 133 | $271K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 133 | $271K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 133 | $271K |
| Life insurance(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 133 | $291K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 84 | $18K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 84 | $18K |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 84 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 133 | — |
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.