| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: BOSTON BENEFIT PARTNERS AN ALERA | 177 MILK STREET 3RD FLOOR BOSTON, MA 02019 | DELTA DENTAL OF MICHIGAN | $2K | — | $2K | 2.94% |
| INSURANCE CONSULTING ASSOCIATES LLC3 | 27750 STANSBURY BOULEVARD SUITE 100 FARMINGTON HILLS, MI 48334 | DELTA DENTAL OF MICHIGAN | $722 | — | $722 | 1.00% |
| INSURANCE CONSULTING ASSOCIATES LLC3 | 5750 NEW KING DRIVE SUITE 310 TROY, MI 48098 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $1K | $2K | 6.39% |
| CHANDOR INSURANCE AGENCY LLC3 | DBA BOSTON BENEFIT PARTNERS LLC 177 MILK STREET SUITE 310 BOSTON, MA 02109 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 5.64% |
| CHANDOR INSURANCE AGENCY LLC3 | DBA BOSTON BENEFIT PARTNERS LLC 177 MILK STREET SUITE 310 BOSTON, MA 02109 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 7.59% |
| INSURANCE CONSULTING ASSOCIATES LLC3 | 5750 NEW KING DRIVE TROY, MI 48098 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $762 | $792 | $2K | 6.14% |
| CHANDOR INSURANCE AGENCY LLC3 | DBA BOSTON BENEFIT PARTNERS LLC BOSTON, MA 02109 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 10.51% |
| INSURANCE CONSULTING ASSOCIATES LLC3 | 5750 NEW KING DRIVE SUITE 310 TROY, MI 48098 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $947 | $723 | $2K | 7.23% |
| MATTAR FINANCIAL CORP3 Filed as: MATTAR FINANCIAL CORPORATION | 5750 NEW KING STREET SUITE 310 TROY, MI 48098 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 28.28% |
| GCG FINANCIAL LLC3 Filed as: BOSTON BENEFIT PARTNERS AN ALERA GR | 177 MILK STREET 3RD FLOOR BOSTON, MA 02109 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $549 | — | $549 | 2.81% |
| INSURANCE CONSULTING ASSOCIATES LLC3 | 27750 STANSBURY SUITE 100 FARMINGTON, CT 48334 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $70 | — | $70 | 0.36% |
| CORPORATE BENEFIT SOLUTIONS3 Filed as: CORPORATE BENEFIT SOLUTIONS, LLC | 5750 NEW KING DRIVE SUITE 310 TROY, MI 48098 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $935 | — | $935 | 7.64% |
| CHANDOR INSURANCE AGENCY LLC3 | DBA BOSTON BENEFIT PARTNERS LLC 177 MILK STREET SUITE 310 BOSTON, MA 02109 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $456 | — | $456 | 10.64% |
| INSURANCE CONSULTING ASSOCIATES LLC3 | 5750 NEW KING DRIVE TROY, MI 48098 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $186 | $139 | $325 | 7.59% |
| CHANDOR INSURANCE AGENCY LLC3 | DBA BOSTON BENEFIT PARTNERS LLC 177 MILK STREET SUITE 310 BOSTON, MA 02109 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $174 | — | $174 | 7.19% |
| INSURANCE CONSULTING ASSOCIATES LLC3 | 5750 NEW KING DRIVE SUITE 310 TROY, MI 48098 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $69 | $82 | $151 | 6.24% |
| MATTAR FINANCIAL CORP3 Filed as: MATTAR FINANCIAL CORPORATION | 5750 NEW KING ST STE 310 TROY, MI 48098 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $12 | — | $12 | — |
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 | 112 | 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) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 189 | $72K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 216 | $12K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 112 | $37K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 111 | $25K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 111 | $23K |
| Other(4 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 112 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 216 | — |
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.