| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASR HEALTH BENEFITS3 | — | COMPANION LIFE | — | $111K | $111K | 27.15% |
| ASR CORPORATION3 | — | COMPANION LIFE | $53K | — | $53K | 13.00% |
| ASSUREDPARTNERS3 Filed as: GREAT LAKE BENFIT GROUP | 28411 NORTHWESTERN HWY SUITE 950 SOUTHFIELD, MI 48034 | MUTUAL OF OMAHA | $3K | — | $3K | 3.51% |
| ASSUREDPARTNERS3 Filed as: GREAT LAKE BENFIT GROUP | 28411 NORTHWESTERN HWY SUITE 950 SOUTHFIELD, MI 48034 | MUTUAL OF OMAHA | $4K | — | $4K | 9.48% |
| ASSUREDPARTNERS3 Filed as: GREAT LAKE BENFIT GROUP | 28411 NORTHWESTERN HWY SUITE 950 SOUTHFIELD, MI 48034 | MUTUAL OF OMAHA | $3K | — | $3K | 10.00% |
| ASSUREDPARTNERS3 Filed as: GREAT LAKE BENFIT GROUP | 28411 NORTHWESTERN HWY SUITE 950 SOUTHFIELD, MI 48034 | MUTUAL OF OMAHA | $2K | — | $2K | 10.00% |
| ASSUREDPARTNERS3 Filed as: GREAT LAKE BENFIT GROUP | 28411 NORTHWESTERN HWY SUITE 950 SOUTHFIELD, MI 48034 | MUTUAL OF OMAHA | $1K | — | $1K | 10.00% |
| ASSUREDPARTNERS3 Filed as: GREAT LAKE BENFIT GROUP | 28411 NORTHWESTERN HWY SUITE 950 SOUTHFIELD, MI 48034 | MUTUAL OF OMAHA | $672 | — | $672 | 13.00% |
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 | 148 | 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) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | MUTUAL OF OMAHA | 129 | $95K |
| Vision | HERITAGE VISION PLANS INC. | 145 | $19K |
| Life insurance | MUTUAL OF OMAHA | 206 | $12K |
| Short-term disability | MUTUAL OF OMAHA | 165 | $24K |
| Long-term disability | MUTUAL OF OMAHA | 165 | $45K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE | 150 | $410K |
| Other(3 contracts) | MUTUAL OF OMAHA | 206 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.