| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES RANDALL STINES3 | 5905 E. GALBRAITH ROAD, #9000 CINCINNATI, OH 452365236 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $27K | — | $27K | 1.52% |
| BRENDA K. ARMOUR3 | 30150 TELEGRAPH ROAD, #408 BINGHAM FARMS, MI 480258025 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $4K | — | $4K | 0.24% |
| ART HAUSER INSURANCE INC3 Filed as: ART HAUSER INSURANCE, INC. | 5905 E. GALBRAITH ROAD, #9000 CINCINNATI, OH 45236 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $334 | $10K | 10.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 3600 AMERICAN BLVD. W, #500 MINNEAPOLIS, MN 55431 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 9.31% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP | 325 N. KIRKWOOD ROAD, #300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.21% |
| LIFETIME FINANCIAL GROWTH3 Filed as: LIFETIME FINANCIAL GROWTH COMPANY | 419 PLUM STREET CINCINNATI, OH 45202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $751 | — | $751 | 0.78% |
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 | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 439 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 614 | $1.8M |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 614 | $1.8M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 439 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 614 | — |
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."
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.