| 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 | 4.37% |
| ALTRUIS BENEFIT CONSULTING INC3 Filed as: ALTRUIS BENEFIT CONSULTING, LLC | 30600 TELEGRAPH ROAD, STE 1225 BINGHAM FARMS, MI 48025 | DEARBORN LIFE INSURANCE COMPANY | $4K | — | $4K | 14.86% |
| FINANCIAL DESIGNS INC3 Filed as: FINANCIAL DESIGNS, INC. | 39500 HIGH POINTE BLVD, STE 400 NOVI, MI 483755517 | DEARBORN LIFE INSURANCE COMPANY | — | $1K | $1K | 4.95% |
| DIRECT BENEFITS INC3 Filed as: DIRECT BENEFITS, INC. | 325 CEDAR STREET, STE 800 SAINT PAUL, MN 551011015 | DEARBORN LIFE INSURANCE COMPANY | — | $1K | $1K | 4.95% |
| ALTRUIS BENEFIT CONSULTING INC3 Filed as: ALTRUIS BENEFIT CONSULTING, LLC | 30600 TELEGRAPH ROAD BINGHAM FARMS, MI 48025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $620 | — | $620 | 12.36% |
| EVETTE SUSAN KENDZIERSKI3 | 22596 CLEARWATER DRIVE MACOMB, MI 48044 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $427 | $145 | $572 | 11.40% |
| DIANNA LYNN ATCHISON3 | 15130 SNOWBERRY COURT SPRING LAKE, MI 49456 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $409 | $43 | $452 | 9.01% |
| W F HILL AND ASSOCIATES INC3 | 30700 TELEGRAPH ROAD BINGHAM FARMS, MI 48025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $112 | $60 | $172 | 3.43% |
| THOMAS DANIEL SCHMIDT3 | 21608 PINE CONE DRIVE MACOMB, MI 48042 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $59 | — | $59 | 1.18% |
| ROBIN T. PFEIFFER3 Filed as: ROBIN T PFEIFFER | 22258 WOODHENGE DRIVE MATTAWAN, MI 49071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48 | — | $48 | 0.96% |
| BRAD SCOFFIN3 | 7931 TS AVENUE EAST SCOTTS, MI 49088 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | — | $33 | 0.66% |
| JASON RODERICK3 | 2130 28TH STREET SW WYOMING, MI 49519 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.34% |
| MARY LOU TAYLOR3 | 1038 BOUNDARY BLVD ROTONDA WEST, FL 33947 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.16% |
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 | 135 | 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) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 135 | $309K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 135 | $309K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 135 | $309K |
| Life insurance(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 135 | $338K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 66 | $25K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 66 | $25K |
| Other | DEARBORN LIFE INSURANCE COMPANY | 66 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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.