| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KAURMAN INSURANCE & INS GROUP LLC3 | 28470 W 13 MILE RD BLDG 350 FARMINGTON HILLS, MI 48334 | UNITEDHEATHCARE INSURANCE COMPANY | $38K | — | $38K | 7.77% |
| KAUFMAN INSURANCE & FINANCIAL GROUP3 Filed as: KAUFMAN INSURANCE GROUP, LLC | 28470 W 13 MILE RD FARMINGTON HILLS, MI 48334 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 6.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER RD SUITE 200 TROY, MI 48084 | DELTA DENTAL OF MICHIGAN | $1K | — | $1K | 2.67% |
| KAUFMAN INSURANCE & FINANCIAL GROUP3 Filed as: KAUFMAN INSURAND AND FIN GRP LLC | 28470 W 13 MILE RD BLDG 350 FARMINGTON HILLS, MI 48334 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $306 | $3K | 11.14% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER RD SUITE 200 TROY, MI 48084 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 4.76% |
| KAUFMAN INSURANCE & FINANCIAL GROUP3 Filed as: KAUFMAN INSURANCE AND FINANCIAL | GROUP #350 28470 W 13 MILE RD FARMINGTON HILLS, MI 48334 | EYEMED VISION CARE | $994 | — | $994 | 12.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 3331 W BIG BEAVER RD SUITE 200 TROY, MI 48084 | EYEMED VISION CARE | $215 | — | $215 | 2.61% |
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 | 117 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEATHCARE INSURANCE COMPANY | 126 | $495K |
| Dental | DELTA DENTAL OF MICHIGAN | 129 | $45K |
| Vision | EYEMED VISION CARE | 120 | $8K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 144 | $25K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 144 | $25K |
| Prescription drug | UNITEDHEATHCARE INSURANCE COMPANY | 126 | $495K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 144 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.