| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AFFILIATED AGENCIES LLC3 | 245 BARCLAY CIR - STE 200 ROCHESTER HILLS, MI 48307 | UNITED HEALTHCARE INS CO | — | $32K | $32K | 3.09% |
| AFFILIATED AGENCIES LLC3 | 245 BARCLAY CIR - STE 200 ROCHESTER HILLS, MI 48307 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $2K | $4K | 8.89% |
| PROFESSIONAL BENEFIT PLANNERS3 | 31730 HOOVER ROAD SUITE C WARREN, MI 48093 | VBA VISION | $878 | $0 | $878 | 7.00% |
| FRANK J SCAGLIONE3 Filed as: FRANK SCAGLIONE - 32947S | 16401 E NINE MILE ROAD EASTPOINTE, MI 48021 | KANSAS CITY LIFE INSURANCE | $7K | — | $7K | 100.00% |
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 | 168 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INS CO | 200 | $1.0M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 210 | $49K |
| Vision | VBA VISION | 91 | $13K |
| Life insurance | KANSAS CITY LIFE INSURANCE | 167 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.