| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHIGAN PLANNERS, INC.3 | 59259 VAN DYKE AVE WASHINGTON, MI 48094 | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | $19K | $0 | $19K | 4.25% |
| HEALTH ALLIANCE ADMINISTRATORS INC3 Filed as: HEALTH ALLIANCE ADMINISTRATORS INC. | 39500 HIGH POINTE BLVD SUITE 400 NOVI, MI 48375 | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | $6K | $0 | $6K | 1.21% |
| MICHIGAN PLANNERS, INC.3 | 59259 VAN DYKE AVE WASHINGTON, MI 48094 | HEALTH ALLIANCE PLAN | $16K | $0 | $16K | 4.14% |
| HEALTH ALLIANCE ADMINISTRATORS INC3 Filed as: HEALTH ALLIANCE ADMINISTRATORS INC. | 39500 HIGH POINTE BLVD SUITE 400 NOVI, MI 48375 | HEALTH ALLIANCE PLAN | $5K | $0 | $5K | 1.21% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC. | 410 S UNION ST TRAVERSE CITY, MI 49684 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $4K | 16.36% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC. | 410 S UNION ST. TRAVERSE CITY, MI 49684 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $884 | $3K | 14.63% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC. | 410 S UNION ST TRAVERSE CITY, MI 49684 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $607 | $2K | 14.21% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC. | 410 S UNION ST TRAVERSE CITY, MI 49687 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $511 | $2K | 20.00% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC. | 59259 VAN DYKE AVE WASHINGTON, MI 48094 | NATIONAL VISION ADMINISTRATORS, LLC | $999 | $0 | $999 | 10.00% |
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 | 109 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | 85 | $836K |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 139 | $10K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 109 | $32K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 43 | $14K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 108 | $19K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 109 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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.