| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHELE BOLSER3 | PO BOX 2999 FARMINGTON HILLS, MI 48333 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $14K | — | $14K | 4.26% |
| ACTION BENEFITS COMPANY3 | 26533 EVERGREEN RD-SUITE 400 SOUTHFIELD, MI 48076 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $334 | — | $334 | 0.10% |
| VALENTI TROBEC CHANDLER, INC.3 | 1175 W. LONG LAKE ROAD TROY, MI 48098 | DELTA DENTAL OF MICHIGAN | $2K | — | $2K | 5.85% |
| VALENTI TROBEC CHANDLER, INC.3 | 1175 W LONG LAKE ROAD - SUITE 200 TROY, MI 48098 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $545 | $2K | 18.19% |
| LUCIDO MORRIS ASSOCIATES, LLC3 Filed as: LUCIDO MORRIS ASSOCIATES LLC | 24255 W 13 MILE ROAD - SUITE 250 BINGHAM FARMS, MI 48025 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $32 | — | $32 | 0.27% |
| VALENTI TROBEC CHANDLER, INC.3 Filed as: VALENTI TROBEC CHANDLER, INC. INS. | 1175 W LONG LAKE ROAD - SUITE 200 TROY, MI 48098 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $369 | — | $369 | 7.00% |
| VALENTI TROBEC CHANDLER, INC.3 Filed as: VALENTI TROBEC CHANDLER INC. | 1175 W LONG LAKE ROAD - SUITE 200 TROY, MI 48098 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $536 | — | $536 | 14.99% |
| VALENTI TROBEC CHANDLER, INC.3 Filed as: VALENTI TROBEC CHANDLER INC. | 1175 W LONG LAKE ROAD - SUITE 200 TROY, MI 48098 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $267 | — | $267 | 7.49% |
| VALENTI TROBEC CHANDLER, INC.3 | 1175 W LONG LAKE ROAD - SUITE 200 TROY, MI 48098 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $452 | — | $452 | 15.00% |
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 | 112 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 76 | $320K |
| Dental | DELTA DENTAL OF MICHIGAN | 100 | $38K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 73 | $12K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 112 | $9K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 73 | $15K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 11 | $4K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 76 | $320K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 112 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 112 | — |
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.