| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 5905 EAST GALBRAITH ROAD SUITE 5000 CINCINNATI, OH 45236 | UNITEDHEALTHCARE INSURANCE COMPANY | $887 | $18K | $19K | 4.54% |
| DONALD GREGORY BAKER3 | 26400 LAHSER ROAD, SUITE 312 SOUTHFIELD, MI 48034 | UNITEDHEALTHCARE INSURANCE COMPANY | -$887 | $0 | -$887 | -0.21% |
| ASSUREDPARTNERS3 | 5905 EAST GALBRAITH ROAD SUITE 5000 CINCINNATI, OH 45236 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $1K | $8K | 11.49% |
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 | 205 | 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) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 86 | $427K |
| Dental(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 205 | $67K |
| Vision(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 205 | $67K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 205 | $67K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 205 | $67K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 205 | $67K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 86 | $427K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 205 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 205 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.