| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIEDEN CONSULTING GROUP3 | 17000 KERCHEVAL AVE STE 210 GROSSE POINTE, MI 482301570 | UNITED HEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 0.48% |
| BRIEDEN CONSULTING GROUP3 | 17000 KERCHEVAL STE 210 GROSSE POINTE, MI 48230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $417 | $4K | 7.46% |
| BRIEDEN CONSULTING GROUP3 | 17000 KERCHEVAL STE 210 GROSSE POINTE, MI 48230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $418 | $9K | 15.75% |
| STANLEY, PAUL J3 | 5264 INTERNATIONAL BLVD SUITE 200B NORTH CHARLESTON, SC 29418 | UNUM INSURANCE COMPANY | $8K | — | $8K | 27.12% |
| BRIDEN CONSULTING GROUP3 | 1700 KERCHEVAL STE 210 GROSSE POINTE, MI 48230 | UNUM INSURANCE COMPANY | $3K | $121 | $3K | 8.66% |
| STANLEY, PAUL J3 | 5264 INTERNATIONAL BLVD SUITE 200B NORTH CHARLESTON, SC 29418 | UNUM INSURANCE COMPANY | $3K | — | $3K | 9.05% |
| BRIEDEN CONSULTING GROUP3 | 17000 KERCHEVAL SUITE 210 GROSSE POINTE, MI 48230 | UNUM INSURANCE COMPANY | $2K | $93 | $2K | 6.30% |
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 | 833 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 94 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 929 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 592 | $962K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 592 | $962K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 960 | $111K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 592 | $962K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 960 | $173K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 960 | — |
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.