| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASR HEALTH BENEFITS3 | 618 KENMORE AVE., S.E. GRAND RAPIDS, MI 49456 | COMPANION LIFE | $96K | — | $96K | 18.00% |
| ANN ARBOR INSURANCE CENTRE, INC.3 | 2621 CARPENTER RD ANN ARBOR, MI 481084107 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $18K | — | $18K | 9.30% |
| ANN ARBOR INSURANCE CENTRE, INC.3 | 2755 CARPENTER RD., STE 3SW ANN ARBOR, MI 48108 | DELTA DENTAL OF MICHIGAN | $8K | — | $8K | 4.67% |
| SANDRA A LEE SHEETS3 | P.O. BOX 13134 TALLAHASSEE, FL 32317 | CAPITAL HEALTH PLAN | $4K | — | $4K | 4.00% |
| EDIE M. HUFFMAN3 Filed as: EDIE HUFFMAN | 2621 CARPENTER ROAD ANN ARBOR, MI 48108 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $2K | — | $2K | 4.49% |
| ACTION BENEFITS COMPANY3 Filed as: ACTION BENEFIT COMPANY | 24600 NORTHWESTERN HWY SOUTHFIELD, MI 48075 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $256 | — | $256 | 0.61% |
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 | 373 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 373 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 518 | $175K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 350 | $42K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 373 | $199K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 373 | $199K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 373 | $199K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE | 264 | $536K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 518 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.