| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT HURD3 | 120 WEST DRIVE NORTH, SUITE 4 MARSHALL, MI 49068 | RELIASTAR LIFE INSURANCE COMPANY | $32K | $0 | $32K | 5.30% |
| ROBERT HURD3 | 120 WEST DRIVE MARSHALL, MI 49068 | DELTA DENTAL OF MICHIGAN | $9K | $0 | $9K | 1.99% |
| ROBERT HURD3 | 120 WEST DRIVE NORTH, SUITE 3 MARSHALL, MI 49068 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $0 | $9K | 9.19% |
| LIAZON BENEFITS INC5 Filed as: LIAZON BENEFITS INC. | 199 SCOTT STREET, 8TH FLOOR BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $5K | $5K | 5.02% |
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 | 776 | 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) | 776 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 1,359 | $453K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 533 | $102K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 1,532 | $610K |
| Short-term disability(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 1,532 | $711K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,532 | $610K |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 1,532 | $711K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,532 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.