| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| J.S. CLARK AGENCY, INC.3 Filed as: JS CLARK AGENCY | 25900 W ELEVEN MILE RD. SUITE 210 SOUTHFIELD, MI 48034 | DELTA DENTAL OF MICHIGAN | $3K | $0 | $3K | 4.64% |
| J.S. CLARK AGENCY, INC.3 Filed as: JS CLARK AGENCY | 25900 W 11 MILE RD. SUITE 210 SOUTHFIELD, MI 48034 | UNITED OF OMAHA LIFE INSURANCE | $4K | $2K | $6K | 15.21% |
| J.S. CLARK AGENCY, INC.3 Filed as: JS CLARK AGENCY | 25900 W 11 MILE RD. SUITE 210 SOUTHFIELD, MI 48034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 15.53% |
| J.S. CLARK AGENCY, INC.3 Filed as: JS CLARK AGENCY | 25900 W 11 MILE RD. SUITE 210 SOUTHFIELD, MI 48034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $3K | $5K | 15.53% |
| J.S. CLARK AGENCY, INC.3 Filed as: JS CLARK AGENCY | 25900 W 11 MILE RD. SUITE 210 SOUTHFIELD, MI 48034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 19.72% |
| J.S. CLARK AGENCY, INC.3 Filed as: JS CLARK AGENCY | 25900 W ELEVEN MILE RD. SUITE 210 SOUTHFIELD, MI 48034 | DELTA DENTAL OF MICHIGAN | $677 | $0 | $677 | 4.62% |
| J.S. CLARK AGENCY, INC.4 Filed as: JS CLARK AGENCY | 25900 W 11 MILE RD. SUITE 210 SOUTHFIELD, MI 48076 | PRE-PAID LEGAL SERVICES INC | $477 | — | $477 | 12.29% |
| SCHILLER & ASSOCIATES LLC4 Filed as: SCHILLER AND ASSOCIATES LLC | 173 COTTAGE LN MILFORD, MI 48381 | PRE-PAID LEGAL SERVICES INC | $416 | $0 | $416 | 10.72% |
| 1956 JO WARTELL4 | 5470 VAN NESS DR BLOOMFIELD HILLS, MI 48302 | PRE-PAID LEGAL SERVICES INC | $268 | $0 | $268 | 6.90% |
| J.S. CLARK AGENCY, INC.3 Filed as: JS CLARK AGENCY | 25900 W ELEVEN MILE RD. SUITE 210 SOUTHFIELD, MI 48034 | REDICO | $1K | — | $1K | — |
| J.S. CLARK AGENCY, INC.3 Filed as: JS CLARK AGENCY | 25900 W ELEVEN MILE RD. SUITE 210 SOUTHFIELD, MI 48034 | PRIORITY HEALTH INSURANCE COMPANY | $53K | $0 | $53K | — |
| J.S. CLARK AGENCY, INC.3 Filed as: JS CLARK AGENCY | 25900 W ELEVEN MILE RD. SUITE 210 SOUTHFIELD, MI 48034 | PRIORITY HEALTH | $13K | $0 | $13K | — |
| J.S. CLARK AGENCY, INC.4 Filed as: JS CLARK AGENCY | 25900 W 11 MILE RD. SUITE 210 SOUTHFIELD, MI 48034 | NATIONAL VISION ADMINISTRATORS | $2K | $0 | $2K | — |
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 | 174 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | REDICO | 285 | $0 |
| Dental(2 contracts) | DELTA DENTAL OF MICHIGAN | 293 | $82K |
| Vision | NATIONAL VISION ADMINISTRATORS | 352 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 352 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.