| 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 | $5K | $0 | $5K | 1.63% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2167 GRAND RAPIDS, MI 49501 | DEARBORN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 11.82% |
| DIRECT BENEFITS INC3 | 55 EAST 5TH STREET, SUITE 500 SAINT PAUL, MN 55101 | DEARBORN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 5.07% |
| FINANCIAL DESIGNS INC3 Filed as: FINANCIAL DESIGNS, INC. | 39500 HIGH POINTE BOULEVARD SUITE 400 NOVI, MI 48375 | DEARBORN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 5.07% |
| ALTRUIS BENEFIT CONSULTING INC3 Filed as: ALTRUIS BENEFIT CONSULTING LLC | 30600 TELEGRAPH ROAD, SUITE 1225 BINGHAM FARMS, IL 48025 | DEARBORN LIFE INSURANCE COMPANY | $948 | $0 | $948 | 3.39% |
| EVETTE SUSAN KENDZIERSKI3 | 22596 CLEARWATER DRIVE MACOMB, MI 48044 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $395 | $110 | $505 | 8.88% |
| ALTRUIS BENEFIT CONSULTING INC3 Filed as: ALTRUIS BENEFIT CONSULTING LLC | 30600 TELEGRAPH ROAD, SUITE 1225 BINGHAM FARMS, MI 48025 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $367 | $0 | $367 | 6.45% |
| W F HILL AND ASSOCIATES INC3 | 30700 TELEGRAPH ROAD BINGHAM FARMS, MI 48025 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $84 | $25 | $109 | 1.92% |
| ROBIN W BASIL3 Filed as: ROBIN W. BASIL | 30700 TELEGRAPH ROAD BINGHAM FARMS, MI 40825 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $58 | $20 | $78 | 1.37% |
| DIANNA LYNN ATCHISON3 | 225 EAST DIVISION ROCKFORD, MI 49341 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $63 | $0 | $63 | 1.11% |
| MJ INSURANCE3 Filed as: BRAD SCOFFIN AND VARIOUS AGENTS | 7976 EAST U AVENUE VICKSBURG, MI 49097 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $55 | $0 | $55 | 0.97% |
| ROBIN T. PFEIFFER3 | 22258 WOODHENGE DRIVE MATTAWAN, MI 49071 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $48 | $0 | $48 | 0.84% |
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 | 143 | 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) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 160 | $291K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 160 | $291K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 160 | $291K |
| Life insurance(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 160 | $325K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 61 | $28K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 61 | $28K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 160 | $291K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 160 | $319K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.