| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRSI EMPLOYEE BENEFIT SOLUTIONS LLC3 Filed as: BRSI EMPLOYEE BENEFITS SOLUTIONS | 43370 MOUND ROAD STERLING HEIGHTS, MI 483142022 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | — | $13K | — |
| BRSI EMPLOYEE BENEFIT SOLUTIONS LLC3 Filed as: BRSI EMPLOYEE BENEFITS SOLUTIONS | 43370 MOUND ROAD STERLING HEIGHTS, MI 483142022 | ALLIANCE HEALTH & LIFE INSURANCE COMPANY | $34K | — | $34K | — |
| HEALTH ALLIANCE ADMINISTRATORS INC3 | 39500 HIGH POINTE BLVD #400 NOVI, MI 48375 | ALLIANCE HEALTH & LIFE INSURANCE COMPANY | $8K | — | $8K | — |
| BRSI EMPLOYEE BENEFIT SOLUTIONS LLC3 Filed as: BRSI EMPLOYEE BENEFITS SOLUTIONS | 43370 MOUND ROAD STERLING HEIGHTS, MI 483142022 | HEALTH ALLIANCE PLAN | $15K | — | $15K | — |
| HEALTH ALLIANCE ADMINISTRATORS INC3 | 39500 HIGH POINTE BLVD #400 NOVI, MI 48375 | HEALTH ALLIANCE PLAN | $4K | — | $4K | — |
| BRSI EMPLOYEE BENEFIT SOLUTIONS LLC3 Filed as: BRSI EMPLOYEE BENEFITS SOLUTIONS | 43370 MOUND ROAD STERLING HEIGHTS, MI 483142022 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | — |
| BRSI EMPLOYEE BENEFIT SOLUTIONS LLC3 Filed as: BRSI EMPLOYEE BENEFITS SOLUTIONS | 43370 MOUND ROAD STERLING HEIGHTS, MI 483142022 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | — | $11K | — |
| BRSI EMPLOYEE BENEFIT SOLUTIONS LLC3 Filed as: BRSI EMPLOYEE BENEFITS SOLUTIONS | 43370 MOUND ROAD STERLING HEIGHTS, MI 483142022 | DELTA DENTAL OF MICHIGAN | $10K | — | $10K | — |
| BRSI EMPLOYEE BENEFIT SOLUTIONS LLC3 Filed as: BRSI EMPLOYEE BENEFITS SOLUTIONS | 43370 MOUND ROAD STERLING HEIGHTS, MI 483142022 | DELTA DENTAL OF MICHIGAN | $1K | — | $1K | — |
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 | 239 | 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) | 239 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 331 | $0 |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 331 | $0 |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 331 | $0 |
| Short-term disability(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 331 | $0 |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 331 | $0 |
| Other(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 331 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 331 | — |
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.