| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSEPH A KING3 | 1707 WEST BIG BEAVER RD TROY, MI 48084 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATION, INC | $15K | — | $15K | 2.66% |
| TIMBERLAND GROUP SERVICES, INC.3 | 1707 W. BIG BEAVER ROAD TROY, MI 48084 | DELTA DENTAL | $24K | — | $24K | 7.00% |
| TIMBERLAND GROUP SERVICES, INC.3 Filed as: TIMBERLAND GROUP SERVICES | 1707 W. BIG BEAVER RD. TROY, MI 48084 | GUARDIAN LIFE INSURANCE COMPANY | $35K | — | $35K | 10.70% |
| JOSEPH A KING3 | 1707 WEST BIG BEAVER RD TROY, MI 48084 | TUFTS INSURANCE COMPANY | $5K | — | $5K | 2.66% |
| TIMBERLAND GROUP SERVICES, INC.3 Filed as: THE TIMBERLAND GROUP SERVICES, INC. | 1707 W. BIG BEAVER ROAD TROY, MI 48084 | EYEMED | $2K | — | $2K | 4.03% |
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 | 439 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 446 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATION, INC | 86 | $757K |
| Dental | DELTA DENTAL | 797 | $342K |
| Vision | EYEMED | 655 | $41K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 375 | $325K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY | 375 | $325K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY | 375 | $325K |
| Other | GUARDIAN LIFE INSURANCE COMPANY | 375 | $325K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 797 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.