| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MATTAR FINANCIAL CORP3 Filed as: MATTAR FINANCIAL CORPORATION | 5750 NEW KING STREET SUITE 310 TROY, MI 48098 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $29K | $3K | $32K | 7.74% |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSOCIATES, LL | 5750 NEW KING DRIVE TROY, MI 48098 | DELTA DENTAL OF MICHIGAN | $7K | — | $7K | 2.28% |
| ASR CORPORATION3 | — | COMPANION LIFE | $19K | — | $19K | 13.00% |
| MATTAR FINANCIAL CORP3 Filed as: MATTAR FINANCIAL CORPORATION | 5750 NEW KING STREET SUITE 310 TROY, MI 48098 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $49 | $13K | 29.89% |
| CORPORATE BENEFIT SOLUTIONS3 | 5750 NEW KING STREET TROY, MI 48098 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 3.63% |
| CORPORATE BENEFIT SOLUTIONS3 Filed as: CORPORATE BENEFIT SOLUTIONS - | 5750 NEW KING STREET USE #20238118 TROY, MI 48098 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $324 | — | $324 | 0.77% |
| MATTAR FINANCIAL CORP3 Filed as: MATTAR FINANCIAL CORPORATION | 5750 NEW KING STREET SUITE 310 TROY, MI 48098 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $875 | $6 | $881 | 26.96% |
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 | 443 | 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) | 443 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 877 | $291K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 759 | $42K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 443 | $413K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 443 | $409K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 443 | $409K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE | 375 | $144K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 443 | $455K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 877 | — |
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.