| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL G. GREEN3 Filed as: MICHAEL GREEN | 30150 TELEGRAPH ROAD, SUITE 408 FRANKLIN, MI 48025 | PRIORITY HEALTH INSURANCE COMPANY | $22K | $0 | $22K | 2.50% |
| MICHAEL G. GREEN3 Filed as: MICHAEL GREEN | 30150 TELEGRAPH ROAD, SUITE 408 FRANKLIN, MI 48025 | PRIORITY HEALTH | $17K | $0 | $17K | 2.50% |
| UNKNOWN3 | UNKNOWN PLYMOUTH, MI 48170 | DELTA DENTAL OF OHIO | $6K | $0 | $6K | 4.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 30150 TELEGRAPH, SUITE 408 BINGHAM FARMS, MI 48025 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $772 | $4K | 6.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | GERBER | $1K | $0 | $1K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.4 | 30150 TELEGRAPH ROAD BINGHAM FARMS, MI 48025 | PRE-PAID LEGAL SERVICES DBA LEGALSHIELD | $1K | $0 | $1K | 16.85% |
| SCHILLER & ASSOCIATES LLC4 Filed as: SCHILLER AND ASSOCIATES, LLC | 173 COTTAGE LANE MILFORD, MI 48381 | PRE-PAID LEGAL SERVICES DBA LEGALSHIELD | $40 | $0 | $40 | 0.65% |
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 | 135 | 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) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PRIORITY HEALTH INSURANCE COMPANY | 193 | $1.6M |
| Dental | DELTA DENTAL OF OHIO | 373 | $116K |
| Vision | GERBER | 389 | $13K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 135 | $67K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 135 | $67K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 135 | $67K |
| Prescription drug(2 contracts, 2 carriers) | PRIORITY HEALTH INSURANCE COMPANY | 193 | $1.6M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 135 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 389 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.