| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSEPH A KING3 Filed as: JOSEPH A. KING | 1707 W BIG BEAVER RD. TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $33K | $243 | $33K | 4.27% |
| ACTION BENEFITS COMPANY3 | 24600 NORTHWESTERN SOUTHFIELD, MI 48076 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $8K | — | $8K | 1.07% |
| JOSEPH A KING3 | 1707 W BIG BEAVER RD. TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $26K | — | $26K | 4.11% |
| ACTION BENEFITS COMPANY3 | 26533 EVERGREEN ROAD SUITE 400 SOUTHFIELD, MI 48076 | BLUE CARE NETWORK OF MICHIGAN | $7K | — | $7K | 1.03% |
| TIMBERLAND GROUP SERVICES, INC.3 | 1707 W. BIG BEAVER RD. TROY, MI 48084 | DELTA DENTAL OF MICHIGAN | $9K | — | $9K | 9.06% |
| TIMBERLAND GROUP SERVICES, INC.3 Filed as: TIMBERLAND GROUP SERVICES | 1707 W BIG BEAVER RD. TROY, MI 48084 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $6K | 20.07% |
| TIMBERLAND GROUP SERVICES, INC.3 Filed as: TIMBERLAND GROUP SERVICES | 1707 W BIG BEAVER RD. TROY, MI 48084 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 15.25% |
| TIMBERLAND GROUP SERVICES, INC.3 Filed as: TIMBERLAND GROUP SERVICES | 1707 W BIG BEAVER RD. TROY, MI 48084 | EYEMED VISION CARE | $2K | — | $2K | 10.78% |
| TIMBERLAND GROUP SERVICES, INC.3 Filed as: TIMBERLAND GROUP SERVICES | 1707 BIG BEAVER RD. TROY, MI 48084 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $644 | $2K | 15.27% |
| TIMBERLAND GROUP SERVICES, INC.3 Filed as: TIMBERLAND GROUP SERVICES | 1707 W BIG BEAVER RD. TROY, MI 48084 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $909 | $3K | — |
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 | 103 | 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) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 143 | $1.4M |
| Dental | DELTA DENTAL OF MICHIGAN | 271 | $104K |
| Vision | EYEMED VISION CARE | 277 | $15K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 103 | $12K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 103 | $28K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 103 | $29K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 143 | $1.4M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 103 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 277 | — |
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.