| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MODI FINANCIAL3 | 21500 HAGGERTY RD SUITE 140 NORTHVILLE, MI 48167 | COMMUNITY INSURANCE COMPANY | $86K | $0 | $86K | 7.60% |
| SHAWAN MARQUIS AGENCY INC3 | 110 EAST WILSON BRIDGE ROAD SUITE 260 COLUMBUS, OH 43085 | COMMUNITY INSURANCE COMPANY | $2K | — | $2K | 0.19% |
| BROKERNET INC3 | 110 NORTHWOODS BLVD SUITE C COLUMBUS, OH 43235 | COMMUNITY INSURANCE COMPANY | $0 | $922 | $922 | 0.08% |
| MODI FINANCIAL3 | 21500 HAGGERTY RD SUITE 140 NORTHVILLE, MI 48167 | METROPOLITAN LIFE INSURANCE COMPANY | $29K | $155 | $30K | 10.38% |
| MODI FINANCIAL3 | 21500 HAGGERTY RD SUITE 140 NORTHVILLE, MI 48167 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $314 | $0 | $314 | 3.05% |
| SHERRY ANN DANCY3 | 150 E. MOUND STREET SUITE 202 COLUMBUS, OH 43215 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $259 | — | $259 | 2.52% |
| MODI FINANCIAL3 | 21500 HAGGERTY RD SUITE 140 NORTHVILLE, MI 48167 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $738 | $0 | $738 | 13.74% |
| MODI FINANCIAL3 | 21500 HAGGERTY RD SUITE 140 NORTHVILLE, MI 48167 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $120 | $0 | $120 | 5.73% |
| SHERRY ANN DANCY3 | 150 E. MOUND STREET SUITE 202 COLUMBUS, OH 43215 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $24 | $0 | $24 | 1.15% |
| SHERRY ANN DANCY3 | 150 E. MOUND STREET SUITE 202 COLUMBUS, OH 43215 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 2.94% |
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 | 145 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 279 | $1.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 400 | $284K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 400 | $290K |
| Short-term disability(3 contracts) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 21 | $13K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 400 | $284K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 400 | $284K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 400 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.