| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC. | 59259 VAN DYKE RD WASHINGTON, MI 48094 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $2K | $10K | 19.60% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC. | 59259 VAN DYKE RD WASHINGTON, MI 48094 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $8K | 19.69% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC. | 59259 VAN DYKE RD WASHINGTON, MI 48094 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $8K | 20.23% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC. | 410 S UNION ST TRAVERSE CITY, MI 48094 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $44K | $1K | $45K | 156.63% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC. | 410 S UNION ST TRAVERSE CITY, MI 496872537 | VISION SERVICE PLAN | $608 | $0 | $608 | 2.77% |
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 | 215 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 357 | $1.9M |
| Vision | VISION SERVICE PLAN | 151 | $22K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 189 | $89K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 189 | $39K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 213 | $29K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 189 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 357 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.