| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP ASSOCIATES, INC.3 | 30800 TELEGRAPH RD, STE 3800 BINGHAM FARMS, MI 48025 | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | $46K | — | $46K | 2.64% |
| HEALTH ALLIANCE ADMINISTRATORS INC3 Filed as: HEALTH ALLIANCE ADMINISTRATORS, INC | 39500 HIGH POINTE BLVD, STE 400 NOVI, MI 48375 | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | $56 | — | $56 | 0.00% |
| LIFETIME BENEFIT SOLUTIONS, INC.3 | 2457 STATE RT 7, P.O. BOX 340 COBLESKILL, NY 12043 | EXCELLUS BLUE CROSS BLUE SHIELD | $5K | — | $5K | 4.73% |
| GROUP ASSOCIATES, INC.3 | 30800 TELEGRAPH RD, STE 3800 BINGHAM FARMS, MI 480254545 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 12.95% |
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 | 281 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 282 | 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 | 548 | $1.8M |
| Dental | EXCELLUS BLUE CROSS BLUE SHIELD | 17 | $95K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 282 | $75K |
| Prescription drug(2 contracts, 2 carriers) | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | 548 | $1.8M |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 282 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 548 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.