| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASR HEALTH BENEFITS3 | 618 KENMORE AVE., S.E. GRAND RAPIDS, MI 49456 | SYMETRA | $123K | — | $123K | 19.00% |
| ANN ARBOR INSURANCE CENTRE, INC.3 Filed as: ANN ARBOR INSURANCE CENTRE | 2755 CARPENTER ROAD, STE. 3SW ANN ARBOR, MI 48108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $20K | — | $20K | 8.74% |
| ANN ARBOR INSURANCE CENTRE, INC. | 2755 CARPENTER ROAD, STE. 3SW ANN ARBOR, MI 48108 | DELTA DENTAL OF MICHIGAN | $6K | — | $6K | 3.08% |
| SANDRA A LEE SHEETS | P.O. BOX 13134 TALLAHASSEE, FL 32317 | CAPITAL HEALTH PLAN | $3K | — | $3K | 2.73% |
| EDIE M. HUFFMAN3 Filed as: EDIE HUFFMAN | 2621 CARPENTER ROAD ANN ARBOR, MI 48108 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | — | $2K | $2K | 5.00% |
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 | 379 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 379 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 553 | $197K |
| Vision | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | 70 | $35K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 379 | $226K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 379 | $226K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 379 | $226K |
| Stop-loss / reinsurancereinsurance | SYMETRA | 275 | $647K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 553 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.