| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSOCIATES, LL | 27750 STANSBURY BOULEVARD SUITE 100 FARMINGTON HILLS, MI 48334 | DELTA DENTAL OF MICHIGAN | $4K | — | $4K | 3.92% |
| INSURANCE CONSULTING ASSOCIATES LLC3 | 28175 HAGGERTY ROAD SUITE 100 NOVI, MI 48377 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $7K | $10K | 23.06% |
| INSURANCE CONSULTING ASSOCIATES LLC3 | 28175 HAGGERTY ROAD SUITE 100 NOVI, MI 48377 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $5K | $7K | 23.41% |
| INSURANCE CONSULTING ASSOCIATES LLC3 | 28175 HAGGERTY ROAD SUITE 100 NOVI, MI 48377 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $4K | $8K | 27.58% |
| CORPORATE BENEFIT SOLUTIONS3 Filed as: CORPORATE BENEFIT SOLUTIONS, LLC | 5750 NEW KING DRIVE SUITE 310 TROY, MI 48098 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 13.60% |
| MATTAR FINANCIAL CORP3 Filed as: MATTAR FINANCIAL CORPORATION | 5750 NEW KING STREET SUITE 310 TROY, MI 48098 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 21.23% |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSOCIATES L L | 28175 HAGGERTY ROAD SUITE 100 NOVI, MI 48377 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $901 | $916 | $2K | 30.24% |
| INSURANCE CONSULTING ASSOCIATES LLC3 | 28175 HAGGERTY ROAD SUITE 100 NOVI, MI 48377 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $290 | $469 | $759 | 26.16% |
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 | 115 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 228 | $107K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 244 | $18K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 185 | $43K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 184 | $31K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 184 | $28K |
| Other(4 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 202 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 244 | — |
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.