| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| T M R & ASSOCIATES, INC.3 Filed as: T M R & ASSOCIATES | 601 ABBOTT ST, SUITE 300 DETROIT, MI 48226 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $32K | $32K | 2.10% |
| SPARTAN WEALTH MANAGEMENT3 | 154 S OLD WOODWARD AVE STE 300 BIRMINGHAM, MI 48009 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $32K | $32K | 2.10% |
| JAMES R NELLIGAN & ASSOCIATES LLC4 | 2338 IMMOKALEE RD STE 240 NAPLES, FL 34110 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $3K | $15K | 6.74% |
| SPARTAN WEALTH MANAGEMENT3 | 154 S OLD WOODWARD AVE STE 205 BIRMINGHAM, MI 48009 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | — | $13K | 5.77% |
| TMR & ASSOCIATES3 | 601 ABBOTT ST DETROIT, MI 48226 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | — | $11K | 5.00% |
| T M R & ASSOCIATES, INC.3 Filed as: T M R & ASSOCIATES | 601 ABBOTT ST DETROIT, MI 48226 | THE HARTFORD | $5K | — | $5K | 5.17% |
| SPARTAN WEALTH MANAGEMENT3 | 154 S OLD WOODWARD AVE STE 205 BIRMINGHAM, MI 48009 | THE HARTFORD | $5K | — | $5K | 5.17% |
| JAMES R NELLIGAN & ASSOCIATES LLC1 | 2338 IMMOKALEE RD STE 240 NAPLES, FL 34110 | THE HARTFORD | — | $5K | $5K | 5.00% |
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 | 236 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 240 | $1.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 638 | $227K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 638 | $227K |
| Life insurance | THE HARTFORD | 302 | $102K |
| Short-term disability | THE HARTFORD | 302 | $102K |
| Long-term disability | THE HARTFORD | 302 | $102K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 240 | $1.5M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 638 | $227K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 638 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.