| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AFFILIATED AGENCIES LLC3 | 245 BARCLAY CIR STE 200 ROCHESTER HILLS, MI 48307 | UNITED HEALTHCARE | — | $32K | $32K | 3.09% |
| AFFILIATED AGENCIES LLC3 | 245 BARCLAY CIR STE 200 ROCHESTER HILLS, MI 48307 | PRINCIPAL LIFE INSURANCE | $3K | $2K | $5K | 7.95% |
| PROFESSIONAL BENEFIT PLANNERS3 | 31730 HOOVER ROAD SUITE C WARREN, MI 48093 | VISION BENEFITS OF AMERICA | $916 | — | $916 | 7.00% |
| JAMES MILKEY3 | 31730 HOOVER ROAD SUITE C WARREN, MI 48093 | KANSAS CITY LIFE | $435 | — | $435 | 5.70% |
| FRANK J SCAGLIONE3 Filed as: FRANK SCAGLIONE - 32947S | 16401 E NINE MILE ROAD EASTPOINTE, MI 48021 | KANSAS CITY LIFE | $380 | — | $380 | 4.98% |
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 | 178 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE | 221 | $1.1M |
| Dental | PRINCIPAL LIFE INSURANCE | 227 | $58K |
| Vision | VISION BENEFITS OF AMERICA | 97 | $13K |
| Life insurance | KANSAS CITY LIFE | 178 | $8K |
| Prescription drug | UNITED HEALTHCARE | 221 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 227 | — |
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.