| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEVE T MATTAR3 Filed as: STEVE MATTAR | 27750 STANSBURY BLVD SUITE 100 FARMINGTON HILLS, MI 483348334 | BLUE CARE NETWORK OF MICHIGAN | $25K | — | $25K | 3.96% |
| INSURANCE CONSULTING ASSOCIATES LLC3 | 27750 STANSBURY BLVD STE 100 FARMINGTON HILLS, MI 483348334 | BLUE CARE NETWORK OF MICHIGAN | — | $605 | $605 | 0.10% |
| INSURANCE CONSULTING ASSOCIATES LLC3 | 27750 STANSBURY BLVD STE 100 FARMINGTON HILLS, MI 483343803 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $3K | $7K | 9.72% |
| INSURANCE CONSULTING ASSOCIATES LLC3 | 28175 HAGGERTY ROAD SUITE 100 NOVI, MI 48377 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 11.98% |
| INSURANCE CONSULTING ASSOCIATES LLC3 | 28175 HAGGERTY ROAD SUITE 100 NOVI, MI 48377 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 11.24% |
| STEVE T MATTAR3 Filed as: STEVE MATTAR | 27750 STANSBURY BLVD STE 100 FARMINGTON HILLS, MI 483348334 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $1K | — | $1K | 4.39% |
| INSURANCE CONSULTING ASSOCIATES LLC3 | 27750 STANSBURY BLVD STE 100 FARMINGTON HILLS, MI 483348334 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | — | $15 | $15 | 0.06% |
| INSURANCE CONSULTING ASSOCIATES LLC3 | 28175 HAGGERTY ROAD SUITE 100 NOVI, MI 48377 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 25.00% |
| INSURANCE CONSULTING ASSOCIATES LLC | 28175 HAGGERTY ROAD SUITE 100 NOVI, MI 48377 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| INSURANCE CONSULTING ASSOCIATES LLC3 | 28175 HAGGERTY ROAD SUITE 100 NOVI, MI 48377 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 25.00% |
| INSURANCE CONSULTING ASSOCIATES LLC3 | 28175 HAGGERTY ROAD SUITE 100 NOVI, MI 48377 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 20.00% |
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 | 133 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 199 | $647K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 237 | $71K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 237 | $71K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 133 | $47K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 133 | $53K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 14 | $6K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 199 | $623K |
| Other(4 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 133 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 237 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.