| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MBA SERVICE CORPORATION3 | 507 S GRAND AVE LANSING, MI 48933 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $134 | $3K | 8.16% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC. | 59259 VAN DYKE RD WASHINGTON, MI 48094 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 7.75% |
| MBA SERVICE CORPORATION3 | 507 S. GRAND AVE LANSING, MI 48933 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $89 | $2K | 9.57% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC. | 59259 VAN DYKE RD WASHINGTON, MI 48094 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 5.83% |
| MBA SERVICE CORPORATION3 | 507 S GRAND AVE LANSING, MI 48933 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $118 | $1K | 6.91% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC. | 59259 VAN DYKE RD WASHINGTON, MI 48094 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 6.27% |
| MBA SERVICE CORPORATION3 | 507 S GRAND AVENUE LANSING, MI 48933 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $584 | $29 | $613 | 7.59% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC. | 59259 VAN DYKE RD WASHINGTON, MI 48094 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $425 | — | $425 | 5.26% |
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 | 108 | 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) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 106 | $55K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 51 | $8K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 106 | $17K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 106 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 106 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.