| 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 | $27K | $0 | $27K | 5.18% |
| 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 | 1.09% |
| MICHIGAN PLANNERS, INC.3 | 59259 VAN DYKE AVE WASHINGTON, MI 48094 | HEALTH ALLIANCE PLAN | $20K | $0 | $20K | 5.09% |
| HEALTH ALLIANCE ADMINISTRATORS INC3 Filed as: HEALTH ALLIANCE ADMINISTRATORS INC. | 39500 HIGH POINTE BLVD SUITE 400 NOVI, MI 48375 | HEALTH ALLIANCE PLAN | $4K | $0 | $4K | 1.07% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC. | 59259 VAN DYKE AVE WASHINGTON, MI 48094 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $299 | $6K | 15.78% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC. | 59259 VAN DYKE AVE WASHINGTON, MI 48094 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 15.25% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC. | 59259 VAN DYKE AVE WASHINGTON, MI 48094 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 15.22% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC. | 410 S UNION ST TRAVERSE CITY, MI 49684 | VISION SERVICE PLAN | $807 | $0 | $807 | 6.38% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC | 59259 VAN DYKE RD WASHINGTON, MI 48094 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $651 | $3K | 20.28% |
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 | 144 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 146 | 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 | 90 | $909K |
| Vision | VISION SERVICE PLAN | 86 | $13K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 140 | $34K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 140 | $38K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 140 | $31K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 140 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
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.