| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALTRUIS BENEFIT CONSULTING INC3 Filed as: ALTRUIS BENEFIT CONSULTING LLC | 30600 TELEGRAPH ROAD, SUITE 1225 BINGHAM FARMS, MI 48025 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | $0 | $12K | 4.59% |
| ALTRUIS BENEFIT CONSULTING INC3 Filed as: ALTRUIS BENEFIT CONSULTING | 30600 TELEGRAPH ROAD, SUITE 1225 BINGHAM FARMS, MI 48025 | DEARBORN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 14.94% |
| FINANCIAL DESIGNS INC3 Filed as: FINANCIAL DESIGNS, INC. | 39500 HIGH POINTE BOULEVARD SUITE 400 NOVI, MI 48375 | DEARBORN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 4.98% |
| DIRECT BENEFITS INC3 Filed as: DIRECT BENEFITS INC. | 55 EAST 5TH STREET, SUITE 500 SAINT PAUL, MN 55101 | DEARBORN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 4.98% |
| EVETTE SUSAN KENDZIERSKI3 | 22596 CLEARWATER DRIVE MACOMB, MI 48044 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $386 | $42 | $428 | 7.19% |
| ALTRUIS BENEFIT CONSULTING INC3 Filed as: ALTRUIS BENEFIT CONSULTING | 30600 TELEGRAPH ROAD, SUITE 1225 BINGHAM FARMS, MI 48025 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $410 | $5 | $415 | 6.97% |
| DIANNA LYNN ATCHISON3 | 225 EAST DIVISION ROCKFORD, MI 49341 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $158 | $3 | $161 | 2.70% |
| W F HILL AND ASSOCIATES INC3 Filed as: W. F. HILL AND ASSOCIATES INC. | 30700 TELEGRAPH ROAD BINGHAM FARMS, MI 48025 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $81 | $37 | $118 | 1.98% |
| ROBIN W BASIL3 Filed as: ROBIN W. BASIL | 30700 TELEGRAPH ROAD BINGHAM FARMS, MI 40825 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $44 | $13 | $57 | 0.96% |
| MJ INSURANCE Filed as: BRAD SCOFFIN AND VARIOUS AGENTS | 7931 TS AVENUE EAST SCOTTS, MI 49088 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $53 | $0 | $53 | 0.89% |
| ROBIN T. PFEIFFER3 | 22258 WOODHENGE DRIVE MATTAWAN, MI 49071 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $48 | $0 | $48 | 0.81% |
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 | 130 | 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) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 48 | $262K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 48 | $262K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 48 | $262K |
| Life insurance(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 79 | $293K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 79 | $25K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 79 | $25K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 48 | $262K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 79 | $287K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 79 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.