| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT REVIEW SERVICES INC3 | 43370 MOUND ROAD STERLING HEIGHTS, MI 48314 | COMMUNITY INSURANCE COMPANY | $278K | — | $278K | 2.67% |
| BENEFIT REVIEW SERVICES INC3 | 43370 MOUND ROAD STERLING HEIGHTS, MI 48314 | HEALTH ALLIANCE PLAN | $39K | — | $39K | 3.54% |
| BRSI EMPLOYEE BENEFIT SOLUTIONS LLC3 | 43370 MOUND ROAD STERLING HEIGHTS, MI 48314 | HEALTH ALLIANCE PLAN | $4K | — | $4K | 0.32% |
| BRSI EMPLOYEE BENEFIT SOLUTIONS LLC3 | 43370 MOUND ROAD STERLING HEIGHTS, MI 48314 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $32K | — | $32K | 5.25% |
| BRSI EMPLOYEE BENEFIT SOLUTIONS LLC3 | 43370 MOUND ROAD STERLING HEIGHTS, MI 48314 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $17K | — | $17K | 2.75% |
| BRSI EMPLOYEE BENEFIT SOLUTIONS LLC3 | 43370 MOUND RD STERLING HEIGHTS, MI 48314 | DELTA DENTAL OF OHIO | $30K | — | $30K | 4.97% |
| BRSI EMPLOYEE BENEFIT SOLUTIONS LLC3 | 43370 MOUND ROAD STERLING HEIGHTS, MI 48314 | DELTA DENTAL OF OHIO | $4K | — | $4K | 4.86% |
| BRSI EMPLOYEE BENEFIT SOLUTIONS LLC3 | 43370 MOUND ROAD STERLING HEIGHTS, MI 48314 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $7K | — | $7K | 9.97% |
| BRSI EMPLOYEE BENEFIT SOLUTIONS LLC3 | 43370 MOUND ROAD STERLING HEIGHTS, MI 48314 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.03% |
| BENEFIT REVIEW SERVICES INC3 | 43370 MOUND ROAD STERLING HEIGHTS, MI 48314 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 3.69% |
| BENEFIT REVIEW SERVICES INC3 | 43370 MOUND ROAD STERLING HEIGHTS, MI 48314 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 15.67% |
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 | 1,217 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 2,395 | $10.4M |
| Dental(2 contracts) | DELTA DENTAL OF OHIO | 2,281 | $685K |
| Vision | COMMUNITY INSURANCE COMPANY | 2,395 | $10.4M |
| Life insurance(3 contracts, 2 carriers) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 765 | $732K |
| Short-term disability(2 contracts) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 765 | $688K |
| Long-term disability(2 contracts) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 765 | $688K |
| Other(3 contracts, 2 carriers) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 765 | $745K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,395 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.