| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRSI EMPLOYEE BENEFIT SOLUTIONS LLC3 | 43370 MOUND ROAD STERLING HEIGHTS, MI 48314 | COMMUNITY INSURANCE COMPANY | $127K | — | $127K | 1.44% |
| BRSI EMPLOYEE BENEFIT SOLUTIONS LLC3 | 43370 MOUND ROAD STERLING HEIGHTS, MI 48314 | STANDARD INSURANCE COMPANY | $12K | — | $12K | 3.15% |
| BRSI EMPLOYEE BENEFIT SOLUTIONS LLC3 | 43370 MOUND ROAD STERLING HEIGHTS, MI 48314 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 3.21% |
| BRSI EMPLOYEE BENEFIT SOLUTIONS LLC3 | 43370 MOUND ROAD STERLING HEIGHTS, MI 48314 | DELTA DENTAL OF OHIO | $8K | — | $8K | 5.09% |
| BRSI EMPLOYEE BENEFIT SOLUTIONS LLC3 | 43370 MOUND ROAD STERLING HEIGHTS, MI 48314 | DELTA DENTAL OF OHIO | $3K | — | $3K | 4.44% |
| BRSI EMPLOYEE BENEFIT SOLUTIONS LLC3 | 43370 MOUND ROAD STERLING HEIGHTS, MI 48314 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $381 | $8K | 15.85% |
| BENEFIT REVIEW SERVICES INC3 Filed as: BENEFIT REVIEW SERVICES INC. | 43370 MOUND ROAD STERLING HEIGHTS, MI 48314 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 3.90% |
| BRSI EMPLOYEE BENEFIT SOLUTIONS LLC3 | 43370 MOUND ROAD STERLING HEIGHTS, MI 48314 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 3.45% |
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 | 894 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 896 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 1,951 | $8.8M |
| Dental(2 contracts) | DELTA DENTAL OF OHIO | 936 | $205K |
| Vision | COMMUNITY INSURANCE COMPANY | 1,951 | $8.8M |
| Life insurance(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 878 | $131K |
| Short-term disability | STANDARD INSURANCE COMPANY | 878 | $391K |
| Long-term disability | STANDARD INSURANCE COMPANY | 878 | $153K |
| Other(3 contracts, 3 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 894 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,951 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.