| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CARLESIMO, DAVID C.3 | UNKNOWN UNKNOWN CORUNNA, MI 48817 | DELTA DENTAL OF MICHIGAN | $9K | $0 | $9K | 4.86% |
| DYNAMIC BENEFIT AGENCY3 | 3955 PINNACLE COURT, SUITE 100 AUBURN HILLS, MI 48326 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $0 | $15K | 9.67% |
| SUPPLEMENTAL BENEFITS EXCHANGE3 | 580 FOREST AVENUE PLYMOUTH, MI 48170 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 4.51% |
| DYNAMIC BENEFIT AGENCY3 | 3955 PINNACLE COURT, SUITE 100 AUBURN HILLS, MI 48326 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $0 | $4K | 10.16% |
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 | 540 | 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) | 540 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MCLAREN HEALTH PLAN | 0 | $0 |
| Dental | DELTA DENTAL OF MICHIGAN | 664 | $184K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 318 | $43K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 566 | $154K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 566 | $154K |
| Prescription drug | MCLAREN HEALTH PLAN | 0 | $0 |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 566 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 664 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.