| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFC BENEFITS LLC3 | 2049 MAYFAIR DR WHITE LAKE, MI 48383 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 11.17% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC | 59259 VAN DYKE RD WASHINGTON, MI 48094 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 4.25% |
| MFC BENEFITS LLC3 | 2049 MAYFAIR DR WHITE LAKE, MI 48383 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $972 | $925 | $2K | 11.01% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC | 59259 VAN DYKE RD WASHINGTON, MI 48094 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $751 | — | $751 | 4.36% |
| MFC BENEFITS LLC3 | 2049 MAYFAIR DR WHITE LAKE, MI 48383 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $540 | $443 | $983 | 9.92% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC | 59259 VAN DYKE RD WASHINGTON, MI 48094 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $451 | — | $451 | 4.55% |
| MFC BENEFITS LLC3 | 2049 MAYFAIR DR WHITE LAKE, MI 48383 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $654 | $474 | $1K | 14.41% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC | 59259 VAN DYKE RD WASHINGTON, MI 48094 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $520 | — | $520 | 6.64% |
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 | 114 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 114 | $35K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 33 | $10K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 114 | $17K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 114 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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.