| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASR HEALTH BENEFITS3 Filed as: ASR HELATH BENEFITS | 618 KENMOOR AVE SE GRAND RAPIDS, MI 49546 | COMPANION LIFE | $84K | $0 | $84K | 18.00% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS | 5435 CORPORATE DR, STE 260 TROY, MI 48098 | GUARDIAN | $19K | $9K | $28K | 7.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ASR HEALTH BENEFITS EIN 38-2651185 HEALTH/FLEX ADMIN | Contract Administrator Service code 13 | 618 KENMOOR AVE SE GRAND RAPIDS, MI 49546 | $168K |
| EMPLOYEE HEALTH INSURANCE MGMT INC. EIN 38-2776173 HEALTH/FLEX ADMIN | Contract Administrator Service code 13 | 26711 NORTHWESTERN HIGHWAY 400 SOUTHFIELD, MI 48033 | $23K |
| TOTAL ADMINISTRATIVE SERVICES CORP. EIN 39-1561025 FLEX/HSA VENDOR | Contract Administrator Service code 13 | 2302 INTERNATIONAL LANE MADISON, WI 53704 | $11K |
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 | 415 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 427 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPANION LIFE | 292 | $466K |
| Dental | GUARDIAN | 427 | $402K |
| Life insurance | GUARDIAN | 427 | $402K |
| Short-term disability | GUARDIAN | 427 | $402K |
| Long-term disability | GUARDIAN | 427 | $402K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE | 292 | $466K |
| Other | GUARDIAN | 427 | $402K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 427 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.